Hi everyone! Thanks to all the help you give on these forums!
I would like to know if anyone has any insight on this subject, I have a BOA Platinum plus Visa with only a $500 limit, my credit is not that great roughly 650-670, my wife just got approved for a $5000 limit with a worldpoints Mastercard with BOA her scores are high 700's. We are both AU on each others accounts, but both are fairly new.
Has anyone ever heard of BOA combining accounts from spouses? (we are newly married), I would rather go on the account as a full user instead of AU. We wanted a higher limit card so we didn't originally bother apping together, as I knew worse case she would get approved with a good limit.
Keep your credit cards seperate. In my opinion, it's better for you in the long run. In fact, other then mortgages and things related to the home, try to keep your car loans seperate also (except maybe the 1st one). And whats good for you isn't just about your credit scores.
Have you had that $500 CL card for very long? If so, try asking for a CLI.
Your scores are not that bad. You should be able to qualify for a higher CL somewhere unless you have low income, a very high debt to income level, or no credit history, or some very recent negatives. In fact, I got higher CLs from cards when I was a poor college student back in the early 90's when $500 was worth more. A $500 CL should be for people under 600 or no history or no income. Unless you are going to try to buy a house in the next 6months, I'd apply for a credit card from another bank that gives out credit a little easier.
9/2017 FICO8: EQ:585, TU:549, EX:580 | No opened accounts | 1 unpaid CO, 1 paid CO + related Col | several lates 2.5+ yrs ago Current FICO8: EQ:703, TU:671, EX:669 | CC Util 2% | 2 paid CO + 1 related Col (deleted on EQ) | 3x 30 day lates 3-6yrs ago AAoA: 10 to 11 years; Opened Acc Only: 5 months Credit Length: 20 years INQ (Eq/Tu/Ex): 2 / 1 / 6 (5 for autoloan) In 9 months, all serious derogatories fall off.