Helping the missus out with a card application for ANZ - her income is $73k.
The FF Black card has a min income requirement of $75k - has 75k in bonus points
Next card (FF Platinum) down has $50k income requirement, with 50k bonus points.
Is it best just to apply for the FF Platinum? I’m unsure if applying for the FF Black could result in a decline, and then a second note on the credit file when going for FF Platinum. Anyone have any insights?
I’ve already had my bonus, so I don’t think I can use my income to boost her app.