Joint Account Question

[Skye12329]

So i was thinking about adding my BF to one of my cards as  Joint user, hes already an authorized user, but i dont think its reporting like a Joint would report.

My questions are:

1. Is he guranteed approval on being a Joint User? Like an AU is.

2. Is it a HP?

3. Would it show up as two accounts? or Just one? Considering hes already an AU.

[09Lexie]

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@Skye12329 wrote:

So i was thinking about adding my BF to one of my cards as  Joint user, hes already an authorized user, but i dont think its reporting like a Joint would report.

My questions are:

1. Is he guranteed approval on being a Joint User? Like an AU is.

2. Is it a HP?

3. Would it show up as two accounts? or Just one? Considering hes already an AU.

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No, he is not guaranteed as an approval.  Credit will be ran and depending on the creditor a new TL.  Keep in mind, if you decide to remove him later, that account would be closed and the process would start over again. 

Which lender?

[Skye12329]

Capital One is the lender.

[evil_ducky]

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@Skye12329 wrote:

Capital One is the lender.

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As far as I know, Capital One unfortunately doesn't offer joint credit cards, only joint checking/savings accounts.

[fittiger]

I don't think Cap1 allows joint account holders anymore.  Discover on the other hand seems to allow you to add a joint without even pulling the CR's of the new user to be added.