There's no way to pin down or generalize "credit card users" into one category, just as there's no way to stereotype the practices of businesses into one specific kind of behavior. A new change put into effect by the Consumer Financial Protection Bureau is gearing credit cards toward those who may not have the income to apply for one themselves.

According to the Wall Street Journal, the total amount of a family or couple's income can now be used to qualify for a credit card, a move geared specifically to parents and others in living situations with access to good credit but without such in their own name. This adjustment has reportedly been in the works since last October, and to put things in perspective, the CFPB itself has only made decisions on these kinds of matters since 2011. Although couples and others who share a joint account or spending methods seem to be the main target of this kind of change, the Journal reports that all adults seeking  to use a credit card stand to be affected by this rule. 

Stores that use credit card processing software will likely see a range of different kinds of cards and users, and benefit from knowing the rules that propel certain types of spending habits. Such initiatives could very well see a shift in the number of users if consumers who find themselves in this situation begin to move into the patterns of standard credit cardholders. This is a change that stores could do well to anticipate and might herald a significant departure worth keeping track of.