Credit Cards

[hoopsbookie]

 Does being an additional cardholder on a (Excellent Credit Rating)credit card account effect your credit  either way or is everything just based on the primary cardholder. Also, if you do a joint account does that kind of combine both credit and fico scores onto one account for credit refrences ?  

[stef37]

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hoopsbookie wrote:

 Does being an additional cardholder on a (Excellent Credit Rating)credit card account effect your credit  either way or is everything just based on the primary cardholder. Also, if you do a joint account does that kind of combine both credit and fico scores onto one account for credit refrences ?  

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Being an AU would affect the AU's credit depending on how that account has been handled.

Joint accounts share responsibility for the account. Again, depending on how the account is maintained will affect each person's credit score's accordingly.