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What is easier/better?

Frequent Contributor

What is easier/better?

Ok so im new to the forums and have acouple questions.

 

1. When applying for credit cards is it easier to get approved with wife being joint on application.

2. do they HP her being joint?

3. greater chance of higher CL doing joint?

 

background:

 

Me:
see my sig

40k/yr

 

wife:

640-650 with all CB's

BoA123 99/500CL (AU)

BoA 300CL secured

10k/yr



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
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3 REPLIES
Frequent Contributor

Re: What is easier/better?

i guess my question is since my scores are higher than her and i have 16months paid 100% with auto loan, aaoa is 7months vs her 2 cc and aaoa of 2 months. does she make it harder for me if i do joint application.



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Message 2 of 4
Established Contributor

Re: What is easier/better?


CREDITSURFER wrote:

i guess my question is since my scores are higher than her and i have 16months paid 100% with auto loan, aaoa is 7months vs her 2 cc and aaoa of 2 months. does she make it harder for me if i do joint application.


Honestly? For someone with that many new cards I would say to stop apping for anything, and garden for a while.Neither of you have an AAOA even over a year. Is there some reason you have to app for something now?

 

 

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Frequent Contributor

Re: What is easier/better?

i dont plan on app'ing until nov when inq's fall off, ill have 2 on EQ, 1 on EX and 0 on TU. but trying to lots of research til then to be in the best position possible.



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Message 4 of 4