@100down0monthly wrote:
I have 3 cards backed by Comenity. Should I add my wife to all 3 at once? Basically, she has ZERO credit. We recently picked up a Wells Fargo secured card for her. Being that she has no AAoA as it is, would it be best to just go ahead and add her to all 3 cards (VS 750cl, Brylane Homes 500cl, Jcrew 1k cl) to help her build?
I would add her to only one (Jcrew-the highest limit). My wife put me as an authorized user on a Comenity store card after my bk7. After 6 months of reporting, I was approved for one of their cards.
Since she will have a secured card, and will be added to one of your Comenity card, eventually she will be able to apply for a non-secured Capital One, or a store card after 6 months depending on her score.
starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656
My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013
Discharged Ch7 Nov.16, 2012
