The form just asked for "income". My husband and I have separate money, no bank account or credit cards in common. Interestingly, the application form did not ask for employer information. Also, we were victims of identity theft last year (fraudulent tax return), so have a freeze at the major companies like Experian. Fun... I also stopped using credit cards a few years ago in favor of a rewards checking account (run debit card as credit - but this doesn't impact credit rating). Not sure what will happen. I have no idea what my credit rating is. The rep said to call them, she hadn't heRd of anyone getting turned down.
So nosy, but I have to ask: if you have no income, and you and your husband do not share any bank accounts or credit cards... what do you live on? Are you selling assets? Would that not be classed as income? (It would be for tax purposes here in the UK, I believe). Or living off savings (which I think would not be considered income - except for the interest on the savings).
I just FIREd last year - still on cash I had built up. We split household expenses so I am still paying some common bills ( 75+% of groceries, insurance, car registrations, electric & gas), as well as some unexpected expenses like some home repairs. I also pay for my medical insurance, gas for my car, maintenance on my car, personal expenses (lunch with friends, clothes, etc.). The house and cars are paid off. I tracked my expenses for a year, and continue to track. I lead a pretty low expense life.
I am 56 yo, so any portfolio assets I sell will be taxable. We were over the Roth limit until a couple of years ago, so it will be a few years until I can tap any Roth growth tax-free. I can take pension from work, but there is a significant penalty (about 50%), so I am letting that grow.
Realized interest income, such as interest on a bank account, is considered income as far as taxes are concerned, but I don't think the credit card companies are thinking of that when they ask about income (maybe they are, but I'm not?). Anyway - that would not be impressive in my case, and I don't know what it will be till the end of the year...