Reply
Epic Contributor
Posts: 22,703
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- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
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: Target $200
67 Cards and Counting :smileytongue:
Contributor
Posts: 249
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

fico 747
Epic Contributor
Posts: 22,703
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- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
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: Target $200
67 Cards and Counting :smileytongue:
Moderator
Posts: 26,770
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
Posts: 249
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?

fico 747
Epic Contributor
Posts: 22,703
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- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
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: Target $200
67 Cards and Counting :smileytongue:
Moderator
Posts: 26,770
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
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
Posts: 22,703
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- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
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: Target $200
67 Cards and Counting :smileytongue:
Valued Member
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.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}