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Epic Contributor
Creditaddict
Posts: 20,135
Registered: ‎10-23-2007
0

Re: banks that allow joint Credit Cards?

it won't be a HP for you... usually it won't be for the person being added either... however going the other direction if you want to remove is totally different.

Fico Scores: EQ- HATE U, TU 671 GE, EX 669 Chase(09-15-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Walmart $400
Over 45 Cards in between :smileytongue:
Contributor
MazdaSpeed
Posts: 246
Registered: ‎04-09-2013
0

Re: banks that allow joint Credit Cards?

the CSR told me it cant be done you have to just close the account

BCE 17.1k (1/13 backdated to 1/11)_____CSP 5k (4/13)
Barclaycard Arrival 1k (4/13)______Capital1 Cash Rewards 2.5k (3/13)
Citi Dividend 1k (3/13)_________Discover IT 1k (3/13)
Chase Hyatt 500 (5/13)______Chase Freedom 5k (11/12)
TU 745 (2/26/14
Epic Contributor
Creditaddict
Posts: 20,135
Registered: ‎10-23-2007
0

Re: banks that allow joint Credit Cards?


MazdaSpeed wrote:

the CSR told me it cant be done you have to just close the account


Yup, Many are that way.

 

Fico Scores: EQ- HATE U, TU 671 GE, EX 669 Chase(09-15-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Walmart $400
Over 45 Cards in between :smileytongue:
Moderator
09Lexie
Posts: 25,410
Registered: ‎09-13-2012
0

Re: banks that allow joint Credit Cards?

My DH and I have 1 joint account ( CU Visa) other than that the others AUs. AU just seems to be the best method - the benefits of the cr line, age and util.
Contributor
MazdaSpeed
Posts: 246
Registered: ‎04-09-2013
0

Re: banks that allow joint Credit Cards?


09Lexie wrote:
My DH and I have 1 joint account ( CU Visa) other than that the others AUs. AU just seems to be the best method - the benefits of the cr line, age and util.

You get the those benefits from a joint account along with the added benefit of being responsible for the debt so it looks better than an AU on your credit report, right?

BCE 17.1k (1/13 backdated to 1/11)_____CSP 5k (4/13)
Barclaycard Arrival 1k (4/13)______Capital1 Cash Rewards 2.5k (3/13)
Citi Dividend 1k (3/13)_________Discover IT 1k (3/13)
Chase Hyatt 500 (5/13)______Chase Freedom 5k (11/12)
TU 745 (2/26/14
Epic Contributor
Creditaddict
Posts: 20,135
Registered: ‎10-23-2007
0

Re: banks that allow joint Credit Cards?


MazdaSpeed wrote:

09Lexie wrote:
My DH and I have 1 joint account ( CU Visa) other than that the others AUs. AU just seems to be the best method - the benefits of the cr line, age and util.

You get the those benefits from a joint account along with the added benefit of being responsible for the debt so it looks better than an AU on your credit report, right?


You really don't need joint once you build your credit.... in the end it can hurt you later if you no longer need the account but the joint person uses it in ways that no longer help you.

Fico Scores: EQ- HATE U, TU 671 GE, EX 669 Chase(09-15-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Walmart $400
Over 45 Cards in between :smileytongue:
Moderator
09Lexie
Posts: 25,410
Registered: ‎09-13-2012
0

Re: banks that allow joint Credit Cards?

Creditaddict is correct. Once you are established IMO, having a joint account can turn to a negative situation and be more difficult to unwind. The 'added benefit' of being responsible for the payment? trying to establish or do you need a joint person for approval?
Valued Member
grubs
Posts: 85
Registered: ‎11-13-2012
0

Re: banks that allow joint Credit Cards?

I see you have a CITI card. They allow joint users
Epic Contributor
Creditaddict
Posts: 20,135
Registered: ‎10-23-2007
0

Re: banks that allow joint Credit Cards?


grubs wrote:
I see you have a CITI card. They allow joint users

They do?

Macy's does but didn't know about regular Citi Cards.... Thought they stopped doing it.

 

Fico Scores: EQ- HATE U, TU 671 GE, EX 669 Chase(09-15-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Walmart $400
Over 45 Cards in between :smileytongue:
Valued Member
grubs
Posts: 85
Registered: ‎11-13-2012
0

Re: banks that allow joint Credit Cards?

My sister and my mom opened up a joint account in June of 2012. Something could have changed since then but just give citi a call.

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