Offer your thoughts or opinion on the input financial query or topic using your financial background.

Impact of RMD on credit worthiness
My understanding is that credit card companies are allowed to accept retirement income as part of the income that would qualify you for credit. The Consumer Finance Protection Bureau issued a final rule amendment to Regulation Z (the regulations around Truth in Lending Act) in 2013 in response to some of the tightening of credit that resulted from the Credit CARD Act of 2009.  The final rule allows for credit issuers to "consider income and assets to which such consumers have a reasonable expectation of access." (Page 1)  On page 75, it outlines some examples: Other sources of income include interest or   dividends, retirement benefits, public assistance, alimony, child support, and separate   maintenance payments.... Current or reasonably expected income   also includes income that is being deposited regularly into an account on which the consumer is   an accountholder (e.g., an individual deposit account or joint account). Assets include, for   example, savings accounts and investments. Fannie Mae explicitly mentions IRA distributions in its Documentation Requirements on mortgage applications.  For them, they require that the income be "expected to continue for at least three years after the date of the mortgage application." Lenders can reject or lower your credit limit for just about any reason that they want, but it seems appropriate for you to include your retirement distributions in your income for credit applications.