If I am married, can a card issuer turn down my application for a credit card in my own name?
No. Credit card issuers may not refuse to open an account because of your marital status.
You may obtain your own credit card if warranted by your individual credit profile, income, and assets. Your own credit card means a separate account in your own name, not a joint account with your spouse or a duplicate card on his/her account. If you are creditworthy, a card issuer generally may not require that your spouse co-sign your account. In general, a card issuer may not even ask for information about your spouse or former spouse when you apply for your own credit card based on your own income, unless that income is alimony, child support, or separate maintenance payments from your spouse or former spouse. (This does not apply if your spouse is going to use your account or be responsible for paying your debts on the account. It also does not apply if you live in a community property state. The community property states are Alaska (if you sign a special agreement), Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin.)
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