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[iker]

I think this is part of the new regulations.
Only in community property states can wives use the "household" income to get a credit card.
If a wife does not work in other states, she cannot get a credit card since she has no income.

But... what if the couple was married in a community property state, then moved to another state, and opened the card in the "non-community" property state.

Would the state they were married in affect this ban on housewifes that can't get a credit card in their own name wihtout a job? Could it for some reason be based on the state they were married in?

So when you move from a state that was community property, all the rights of living in a community property go away when you move to a non state?

[marlan43]

I think this is part of the new regulations.
Only in community property states can wives use the "household" income to get a credit card.
If a wife does not work in other states, she cannot get a credit card since she has no income.

But... what if the couple was married in a community property state, then moved to another state, and opened the card in the "non-community" property state.

Would the state they were married in affect this ban on housewifes that can't get a credit card in their own name wihtout a job? Could it for some reason be based on the state they were married in?

So when you move from a state that was community property, all the rights of living in a community property go away when you move to a non state?

It would be the state that they are currently living in, not the state where they were married.


In general the changes made by the Card Act were good, but that particular issue was by far the worst change made and hopefully, eventually, it will be changed back. (but breaths should not be held)

[darik2]

if she has no income, I sure as hell wouldn't let her get a credit card - I'm not going to pay for her purchases

[cadby]

If you don't trust your wife, I suggest you put your name on fraud alert through Trans Union Fraud Dept. The toll free # is 1-800-680-7289 and must be renewed every 90 days in order to keep it active. So if she applied for credit with your info. they must notify you first before it can be processed.

[kyledyr]

correct your rights and responsibilities are based upon the state you reside.

You want a cool one, most of the USA laws stem from English common law; Fl comes from Spanish law. In FL at divorce the wife has the absolute right to take all kitchen and dining items even if they were the family heirloom of the husband. A wife also cannot be let with debts beyond housing which means no CC, no auto, no nothing owed to date of separation or divorce even if they were her sole debts