@Jonbuck06 wrote:so i just opened a bank of america card and a american express card and there a individual account. can i call and add a co applicant/joint person and no i dont mean a AU i mean a joint so were both financially liable?
Usually a "co-applicant" is added during your application. To add a co-applicant after already having the account is up to the bank. I've heard some allow it, and some don't. You may want to call Amex and ask them. I think they only have to have the persons SS# during application, and most likely, if they allow it, after you have the account and simply want to add that person. However, with Amex, it could be a good reason for them to FR your account.
A good way to approach them when asking that question when and if you call, might be this: "I know it's possible to add an authorized user to my account, would it be possible to add someone to my account as a co-applicant instead?"
If they do allow it, the person who would be considered the co-applicant would have to sign a form of financial responsibility towards that account. Meaning they'd be legally liable for any outstanding balance just as much as the primary (you in this case) account holder if there was ever a late, default or death etc.
