Hi,
I was a staunch non-borrower for awhile. I am now being persuaded by the travel hacking. I have experimented with my wife as she had credit(I recently paid off all her debt) and to preserve it I asked her to open a Delta CC. It worked out good. We didn't hack hardcore but we got a couple free flights home, free bags, etc. Now we are considering an upgrade as they offer travel companion fares.
In the past I didn't fool with my credit as we were considering buying a house. I have decided to put that on hold for at least 6 to 12 months. Even if we did buy in that timeframe, I have basically been told that despite no debt in my name, despite making $78k a year, despite no negative credit...they will not give me a mortgage. I went to another lender and experienced the same thing. We can put it in her name and so I am not too concerned as it will just make us buy a cheaper house--probably a good thing!
My question is since I am in the clear on credit...how should I start? Should I go ahead and apply for the promotional Delta card(offers 60k miles start up)? My concern is that if I get denied....it will negatively impact my credit. I also don't know...is it a surety I will get denied? Again, no credit history for 7-10 years...but no negative marks anywhere.
My other, easier option is to just have her add me on her CC. This looks like it won't be a problem but of course I miss out on that 60k miles bonus...
Any help is appreciated.