Sorry, but I’m feeling to experience empathy, or even the slightest concern, for someone who argues that she (typically) should be granted credit in the absence of an income stream. The new regs do not keep “homemakers” (how quaint) from getting credit cards, they keep persons without income from which to repay the debt from getting credit cards in their own name alone. The “homemaker” can still obtain credit jointly with a spouse based on the spouse’s income. The “homemaker” can either rely on the spouse’s income and obtain credit in joint names (so that the lender has a remedy to collect against the person with the actual income) or be denied credit in her own name (because no responsible lender should be extending credit to a person against whom the would have no reasonable legal recourse int eh event of nonpayment). Why is this confusing to anybody?