Damian Dovarganes, AP
In this photo made Friday, Dec. 11, 2009, a customer uses his Banana Republic-issued VISA credit card to pay for a purchase at a Banana Republic store in Commerce, Calif. (AP Photo/Damian Dovarganes)

Recent limitations placed on credit card applicants protect some, but forces stay-at-home mothers who aren’t earning income to get permission from the breadwinner in order to apply, according to US News & World Report.

In March 2011, the Fed declared that all credit card applicants must use their individual income when applying for a credit card.

Anisha Sekar, vice president of Credit and Debit Products at NerdWallet and author of the article, said the trouble homemakers run into is that their contribution to the family’s finances cannot be quantified.

“A homemaker may make most of the household’s financial decisions, from paying the bills to buying groceries. But she — and by a 30 to 1 margin, it’s a she — is barred from taking out a line of credit based on income that, it cannot be doubted, she had a hand in earning,” Sekar said.

Approximately 98 percent of abusive relationships involve financial abuse, or withholding money or keeping a partner from earning it, Sekar said. The Fed’s rules on credit cards could magnify that problem.

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