Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 254
Registered: ‎02-22-2012
0

Wifes CC limit...

My wife recently got a Citi Diamond Preferred card and signed up with me as an authorized user. My understanding is that they do not take my credit history into account since I am simply an authorized user. Is there any way to get a higher limit by taking my scores into account, which are lower than mine?

Current Score: FICO EQ670-TU680-EX700
Wallet: Cap One Rew. $3500, Cap One QS $2500, Barclay $2650, Old Navy Visa $3000, QS-2 $2500, Credit One $2500, BoA $5000, Chase Freedom $3000, Slate $3000, Wal-Mart Discover $3000-STORE CARDS: Amazon $3500, Lowes $2000, Kay's $7600
Established Contributor
Posts: 669
Registered: ‎11-13-2012
0

Re: Wifes CC limit...

Only if you had applied as a joint credit card I believe
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Highlighted
Valued Contributor
Posts: 1,587
Registered: ‎08-30-2012
0

Re: Wifes CC limit...

you would have to apply as a joint owner on the account.

Scores: about 700 across the board
Total CL: $275k
Frequent Contributor
Posts: 254
Registered: ‎02-22-2012
0

Re: Wifes CC limit...

Can I be added as a joint owner if I wasn't? Or maybe I already am. Her scores are in the low 600s. Not sure how picky they are about this card.

Current Score: FICO EQ670-TU680-EX700
Wallet: Cap One Rew. $3500, Cap One QS $2500, Barclay $2650, Old Navy Visa $3000, QS-2 $2500, Credit One $2500, BoA $5000, Chase Freedom $3000, Slate $3000, Wal-Mart Discover $3000-STORE CARDS: Amazon $3500, Lowes $2000, Kay's $7600
Established Contributor
Posts: 669
Registered: ‎11-13-2012
0

Re: Wifes CC limit...

I don't know if it's true but it may require a new application to do that
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
0

Re: Wifes CC limit...


colindidit wrote:
I don't know if it's true but it may require a new application to do that

+1

Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: Wifes CC limit...


FinStar wrote:

colindidit wrote:
I don't know if it's true but it may require a new application to do that

+1


Correct it would mean applying as a new app

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Epic Contributor
Posts: 29,098
Registered: ‎10-23-2007
0

Re: Wifes CC limit...


KeithW wrote:

My wife recently got a Citi Diamond Preferred card and signed up with me as an authorized user. My understanding is that they do not take my credit history into account since I am simply an authorized user. Is there any way to get a higher limit by taking my scores into account, which are lower than mine?


99% sure Citi is one of the banks that got burned SO many times on Joint account tricks that they no longer offer joint accounts for the regular citi cards... Some of the furniture store or such cards "may" still offer joint options but not the Citi Diamond in this case.  Also in the past even when Joint, it did not help with CLI and such.

Valued Contributor
Posts: 1,121
Registered: ‎03-16-2013
0

Re: Wifes CC limit...


Creditaddict wrote:

KeithW wrote:

My wife recently got a Citi Diamond Preferred card and signed up with me as an authorized user. My understanding is that they do not take my credit history into account since I am simply an authorized user. Is there any way to get a higher limit by taking my scores into account, which are lower than mine?


99% sure Citi is one of the banks that got burned SO many times on Joint account tricks that they no longer offer joint accounts for the regular citi cards... Some of the furniture store or such cards "may" still offer joint options but not the Citi Diamond in this case.  Also in the past even when Joint, it did not help with CLI and such.


What is the Joint Account Tricks?

Epic Contributor
Posts: 29,098
Registered: ‎10-23-2007
0

Re: Wifes CC limit...

In the past with many banks you could get a credit card with someone with good credit.... add a joint account holder (no pull was done) then wait about 3 months and request to remove a joint account holder... they would send a form and request to remove the user that originally opened the account and for many years and many banks they would remove a joint user again without pulling credit... so basically someone that wouldn't have even qualified for a $500 limit or may have been blacklisted from a bank was able to walk away with an account with maybe $10k+ credit line!

Chase started pulling credit of both users when an account was requested to unjoint but for much time you could still add a joint user with no pull but now they have stopped adding joint.

Citi stopped it all together... they had the largest loop hole that I knew... you could add and remove with no pulls of the added or during removal.

Nordstrom use to allow it... not sure anymore.

Discover currently allows adding joint but not sure about removing.

 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.