fused111 wrote:
What I meant was will these same companies be in the business of selling joint accounts with intention that their clients never actually receive the card and do not know the account#? This way the company cannot get burned.
Probably not without committing outright fraud.
Changing my wife from AU to joint on one of our CCs involves them sending a form for her to fill out and sign. I suspect the same will be true for almost any CCC. The form is gonna state, very prominently, probably several times, the name of the bank in no uncertain terms.
Once you know the CC is with Chase, and it's in your name, you got 'em. If someone sold you joint account holder status, but you didn't get the CC, you'd simply call Chase and say, "Hi, I lost my CC. I need to cancel it and get a new one issue. My name is. My SSN is. No I don't remember the CC #. I feel like a dummy. I just got the CC, and I already lost it. Can you believe what a klutz I am?"
The kindly person in Customer Service will get you a new CC in your name sent right out to you.
Only way I see for them to pull it off would be to have you sign something, and then they lift your signature.
Even if they did that, once it started reported to your CRAs, you'd see "Chase Bank" and at least a partial account number big as all outdoors. On TU you'd likely have the full account number.
