The Federal Tax Credits Blog

Question: I am an adult dependant can I use their income to get a credit card?

I’m a 30 year old disabled person. I live with my grandmother who fully supports me for the time being as social security disability is a long process. The income I have is mostly from ebay etc and isn’t substantial enough to file taxes on (not enough to get a credit card). My income may be low but I also have next to no expenses so realistically I know I could afford one with a certain limit maybe 5 grand, but I mainly want it for emergencies…medical etc. Now as it pertains to income reporting for hospital charity and various other social programs, they want the household income and my grandmother claims in as a dependant. So given this fact, it only seems logical I could use her income as household income to apply for a credit card. Would it be legal for me to do this?
claims me as a dependant*

Answer: If the application asks for household income then you can legally include the income of other residents in the same household.

If the application asks for “your” income then legally you can only use your own income.

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