Thanks, I was talking about CC's I know the risks, and the pros out weigh the cons
I disagree. Especially if it's a spouse with the same address. An AU account will impact the score the same way under most models. DW had a few old acounts and added me as an AU, which really helped my score.
If you can get most of the pros without the cons it's worth looking at.
Also with an AU, there is still almost just as much cons considering they can run up a bill and only the primary holder is liable(both AU and joint are risky and I understand that)
Ah, that's the key.. Just don't give them a card. You make them an AU, have the card sent to your house, and immediately shred it. They get the AU benefit, without you risking default. If the benefit is good enough, it helps them get a card in their own name.
I recomnmend you search the forum here for some joint user stories.