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To Gaby10 (for some reason my quote function does't work) Let me preface this by saying I see your point but... Why don't they just ask that simple question? Why does BOA still ask for household income? Why do other issuers ask to include income from all sources you have access to? For someone who is not educated in the credit world, they may not see the difference. It may be my legal background, but I take statements word for word, I don't infer things. From what I see they are leaving quite a few holes for income options. Take a citibank application, on the business card they ask for "your individual income" but on the personal application it asks for "salary and wages" and "other income" you wish to include. If they were serious about enforcing the new CARD Act "individual income" would be on every single application.

The automated status line is 800-432-3117. To the poster above, I was actually speaking to a Chase csr today to get a different application approved and while I was reallocating lines she said the lowest limit they could put on my southwest card would be 1k. I would assume that's the lowest limit they can approve. Congrats on the card though!!

To add another data point, I was speaking with a CapOne csr today (just to see if there were any "promotions" on my account) and he asked me to update my income. He phrased it in the following way, "could you say the annual income?" I asked further if he wanted household, personal, investments, etc., he stated again annual income. All he had to do was say "I need your personal annual income." Very strange the way the banks are handling this, and this guy was one of their higher level csr's from the retention department.

I know I'm relatively new to posting, but I've been on FT and lurking here for awhile. I'd also like to add that some issuers are beginning to have a phrase such as "annual income - please include all of the sources you have available (or have access to) to repay your obligations." To me and many others this could be interpreted a number of different ways, a homemaker having access to their spouse's income is just one example. It seemed like for the first few months after 10/1, banks adjusted slightly but now it seems like they are trying to get back to the old ways of lending. Just my opinion. Of course if an application asks specifically for "your annual income" or "individual annual income" then of course that leaves no room for interpretation. I agree though, that the banks know exactly what they are doing by leaving out a few select words on applications, it's not up to the consumer to enforce this change.

I've been on Flyertalk for awhile so I've seen a few stories like this. Remember churning is closing cards and applying for them over and over, what your wife is doing is just applying for a bunch of cards with bonuses. Most people I know that do this have a credit history that is at least 5+ years and their score is 740+ AFTER the new accounts and inquires hit. Also with her credit history being so short, her income and history really don't support the amount of credit (130k even 80k if you exclude PenFed) she has access to. When beginning the "churning" game moderation is key and a lengthy personal history is a must. As far as your points question, most of the times the resolution at least on UR points is to issue a check for 1 cent per point. Good luck!

Just a quick answer (I've been on FT for awhile), you would be better off applying for whichever version you did not have this last time. If you applied for the premier version, go for the plus and vice versa. In regards to your question about allowing a few months in between apps, with Chase it is most likely 1.5 to 2 years, YMMV.

Thanks so much for the reply! Also thanks for the FYI on the customer service. Do you remember if you applied with an EIN or SSN?

Title says it all. Looking to add a business card that does not report to my personal credit report (other than Chase, BOA, and Amex). I have mixed responses when speaking with credit analysts from both banks. Thanks for any help!

Hi - First, I want to say I've been reading this forum for a while now and the topics and suggestions have been an excellent help in building up my credit profile to what it is today. Thanks!! Second, my question...this is actually for my Mom, it's about a questionable collection from Franklin Collections that has appeared out of nowhere on her reports this evening. She has always had great credit and for this to come out of nowhere was a real shock, especially for the amount which was $82. I helped her check Experian and it shows the creditor being at&t, so we called at&t and they were as surprised as us. There was no record what so ever of an internal collection, much less anything being referred to a 3rd party. I had her place a fraud alert on all 3 bureaus and start the dispute process. Is there anything else we can do to get this taken care of as quickly as possible? She lives in Texas by the way if that makes any difference. I would think since at&t has no record of any past due balance this would be considered a bogus collection, but I'm not sure what would be the best way to go about it. My other concern is how exactly Franklin Collections got my Mom's SSN and other information if at&t claims there was never an issue. Thanks in advance for any help!!