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I follow your blog so I was aware when there was a change to allow household income to be used for individuals over 21. This was great news as my wife is a homemaker and the best way to earn points is through card sign up bonuses.This last batch of applications was our least successful as the American Express application had a web browser issue. It it never went through even though I have screen prints of each step of the application, and she was denied by Barclays for the Lufthansa card. She effectively went 3 for 5 (big thumbs down). She called first and was told 1) her income of $102k did not make sense for a self employed homemaker and 2) she had too many inquiries in the past 12 months. They indicated that she would only be considered on her individual income and not the household so she adjusted her income down to $1000 for miscellaneous revenue she brings in.They denied her and wouldn’t split the credit line on her US Airways Card, so I called back to hear for myself, but got the same story. I referenced the recent regulation changed and they were aware of it and said it gave them the option to use household income, but did not obligate them to do so. They went on to describe the normal sources of income they would consider, and I was a little annoyed that they include alimony and child support, but not income from a spouse that my wife would have full access to pay any debts incurred on the card. If we were divorced she would have been approved without an issue.With that said is there anything we could do to get the card approved as the credit pull is already on her credit report? I have read about people sending letters and having success but I have no idea where I would send a letter and how I should approach the wording of the letter. Sorry for the long message but I just wanted to share our experience and check if you had any advice.