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Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
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Who allows Joint Applicants

AMEX,  Barclay, Capital One, Comenity Do Not.

 

Who does and who does not?

Valued Member
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Registered: ‎02-06-2013
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Re: Who allows Joint Applicants

I know Chase and Discover both do. 

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Senior Contributor
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Registered: ‎01-24-2010
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Re: Who allows Joint Applicants

Apparently GE does not

Valued Contributor
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Re: Who allows Joint Applicants

[ Edited ]

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? 

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Established Contributor
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Registered: ‎09-25-2011
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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 :smileyhappy:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Member
Posts: 85
Registered: ‎02-08-2013
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Re: Who allows Joint Applicants

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


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Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
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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.

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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 :smileyhappy:


Does 2nd applicant have full authority?

 

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Re: Who allows Joint Applicants

[ Edited ]

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 :smileyhappy:


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
Valued Contributor
Posts: 1,906
Registered: ‎11-17-2012
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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.

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