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.
The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The Miss April updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.