cancel
Showing results for 
Search instead for 
Did you mean: 

Who allows Joint Applicants

Senior Contributor

Who allows Joint Applicants

AMEX,  Barclay, Capital One, Comenity Do Not.

 

Who does and who does not?

Message 1 of 13
12 REPLIES
Valued Member

Re: Who allows Joint Applicants

I know Chase and Discover both do. 

***AMEX PLATINUM NPSL *******AMEX BCP 23,100***** CITI DOUBLE CASHBACK $5,900 *****Chase Sapphire Preferred $10,000 **** Chase Freedom $8,000 *****Sears Mastercard Platinum $5,000 **** Macy's Star Rewards $1,000 ***** American Express BCE $24,900 (AU) **** *****Discover IT $8,500 (AU)*****
Message 2 of 13
Senior Contributor

Re: Who allows Joint Applicants

Apparently GE does not

Message 3 of 13
Valued Contributor

Re: Who allows Joint Applicants

when best buy was hsbc they did, not sure about cap one version. 

 

are you only trying to apply jointly? 

have you thought about just being added as an au on a older account? 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 4 of 13
Established Contributor

Re: Who allows Joint Applicants

Macy's does but with Macy's the joint applicant's credit does not matter AT ALL!

 

Go in person to a Macy's sign up for a credit card, if the applicant on top of the form has a 720 or above the secondary applicant's credit won't even be checked.

 

You'll get 2 credit lines under 1 card Macy's store when you use it at the store account, and a Macy's Amex you can use everywhere else. only get one card but 2 accounts. Pretty spiffy Smiley Happy


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 5 of 13
New Contributor

Re: Who allows Joint Applicants

NFCU does, we just got approved easily for 15k. 

Message 6 of 13
Senior Contributor

Re: Who allows Joint Applicants

DW and I both have individual accounts with a few AU going both ways.  I am thinking it might be good to have 1 Joint Account where both have Full Authority.    

 

 

It seems to me that most applications allowed for joint applicants when they were mostly paper and both signed.   Not so many anymore.

Message 7 of 13
Senior Contributor

Re: Who allows Joint Applicants


distantarray wrote:

Macy's does but with Macy's the joint applicant's credit does not matter AT ALL!

 

Go in person to a Macy's sign up for a credit card, if the applicant on top of the form has a 720 or above the secondary applicant's credit won't even be checked.

 

You'll get 2 credit lines under 1 card Macy's store when you use it at the store account, and a Macy's Amex you can use everywhere else. only get one card but 2 accounts. Pretty spiffy Smiley Happy


Does 2nd applicant have full authority?

 

Message 8 of 13
Established Contributor

Re: Who allows Joint Applicants


Wolf3 wrote:

distantarray wrote:

Macy's does but with Macy's the joint applicant's credit does not matter AT ALL!

 

Go in person to a Macy's sign up for a credit card, if the applicant on top of the form has a 720 or above the secondary applicant's credit won't even be checked.

 

You'll get 2 credit lines under 1 card Macy's store when you use it at the store account, and a Macy's Amex you can use everywhere else. only get one card but 2 accounts. Pretty spiffy Smiley Happy


Does 2nd applicant have full authority?

 


joint account = full authority

 

Authorized user = no authority just spendability

 

Macy's is a joint account =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 9 of 13
Valued Contributor

Re: Who allows Joint Applicants


Wolf3 wrote:

Apparently GE does not


Some GE accounts do but the application must be mailed in...for example, for a JCP account, you can only apply as a single applicant through the instant decision system, whether in-store or online. However, our paper applications, which you can pick up in-store or request through the phone, has an option to be a "co-applicant", which is the same as a joint user becaue both are equally responsible for the account.


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Message 10 of 13