I am a stay-at-home spouse or partner without a separate income. I share income and expenses with my spouse or partner. Can I still get a credit card in my own name?
Before giving you a credit card, credit card companies have to make sure you have the ability to make your payments. If you're over 21 years old with a spouse or partner, a credit card issuer can choose to look at your ability to pay either as an individual or as a couple.
It depends on whether a credit card issuer looks at whether you can pay for the card on your own. Before giving you a credit card, credit card companies have to make sure you have the ability to make your payments. If you are at least 21 years old and have a spouse or partner, a credit card issuer can choose to look at your ability to pay in two ways:
As an individual, where they look only at your personal assets or income; or
As part of a couple, where they look at you and your spouses or partners combined assets or income.
No matter how a credit card company looks at your ability to pay, they must do so in a way that is fair and does not discriminate against you.
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