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Joint credit card with spouse?

New Visitor

Joint credit card with spouse?

Hi,

 

I can't seem to find any information on this, if I missed it I apologize.

 

I recently filed personal bk due my business--my fako is 675ish.  My wife's credit is good (750).  If we apply jointly for a cc, does that give me a better chance or would it just add useless inquiries to her report?

 

Also, I filed in Nov 2012, still waiting for discharge.  Has anyone applied--been approved before dc? Or is it just better to wait?

 

Thanks in advance

 

sorry, forgot to mention Ch.7

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