topic Re: Applicant / co applicant in Credit Card Applications

Applicant / co applicant

Anonymous — Sun, 15 Nov 2015 23:17:08 GMT

We want to do a lowes card. How should we apply for the card? I'm mid 600. My girl is high 700. Should she apply and me be the co applicant or should I apply and her be the co applicant?

Re: Applicant / co applicant

fury1995 — Sun, 15 Nov 2015 23:36:17 GMT

@Anonymous wrote:
We want to do a lowes card. How should we apply for the card? I'm mid 600. My girl is high 700. Should she apply and me be the co applicant or should I apply and her be the co applicant?

For joint applications it won't matter who is first.

Credit decisions will be based on both applicants' credit files.

The combined income will be a factor for starting limits.

The APR will be based on both applicants history.

Re: Applicant / co applicant

Anonymous — Sun, 15 Nov 2015 23:49:08 GMT

Pretty sure you can't do joint a joint application for Lowes.

Re: Applicant / co applicant

fury1995 — Mon, 16 Nov 2015 00:34:41 GMT

@Anonymous wrote:
Pretty sure you can't do joint a joint application for Lowes.

You can is store defintely.

The card agreement disclaimer online also states language pertaining to joint account holders and authorized users (as seperate entities.

FYI

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Joint-CC-App-Lowes/td-p/4191108

Re: Applicant / co applicant

fury1995 — Mon, 16 Nov 2015 22:38:00 GMT

Duplicate

Re: Applicant / co applicant

fury1995 — Mon, 16 Nov 2015 22:38:24 GMT

Duplicate

Re: Applicant / co applicant

Skye12329 — Mon, 16 Nov 2015 00:39:57 GMT

I actually work at lowes. You can apply jointly. As mentioned it will not matter who would be first. You can also request an imcrease righr away. This is all if you do it in store. They cam do all at a register. APR is fixed at ~25%, however there is promotions for lower APR for x time.

Re: Applicant / co applicant

Anonymous — Mon, 16 Nov 2015 02:10:49 GMT

@Skye12329 wrote:
I actually work at lowes. You can apply jointly. As mentioned it will not matter who would be first. You can also request an imcrease righr away. This is all if you do it in store. They cam do all at a register. APR is fixed at ~25%, however there is promotions for lower APR for x time.

Ty. We are going to go up tomorrow and check it out. I like the tool boxes there lol, i keep out growing mine every year.

Re: Applicant / co applicant

Creditaddict — Mon, 16 Nov 2015 15:14:16 GMT

I think it very much matters who is first... you want her to be first!

Re: Applicant / co applicant

Anonymous — Tue, 17 Nov 2015 01:35:24 GMT

@Creditaddict wrote:
I think it very much matters who is first... you want her to be first!

Thats how we did it tonight. 4500 CLI. We are happy with that and it will grow.

Thanks everyone for the input 😎

Re: Applicant / co applicant

Creditaddict — Tue, 17 Nov 2015 01:37:49 GMT

I would have her call in to credit solution and ask for 35,000 and let them counter

Re: Applicant / co applicant

Anonymous — Tue, 17 Nov 2015 02:01:20 GMT

@Creditaddict wrote:
I would have her call in to credit solution and ask for 35,000 and let them counter

Really?..how lol. We are new at this. I called walmart today when i got my card. 500cli. It was declined..but automated

Re: Applicant / co applicant

Creditaddict — Tue, 17 Nov 2015 02:04:04 GMT

@Anonymous wrote:
@Creditaddict wrote:
I would have her call in to credit solution and ask for 35,000 and let them counter
Really?..how lol. We are new at this. I called walmart today when i got my card. 500cli. It was declined..but automated

866-519-6441

it's sp

Re: Applicant / co applicant

Anonymous — Tue, 17 Nov 2015 02:04:57 GMT

@Creditaddict wrote:
@Anonymous wrote:
@Creditaddict wrote:
I would have her call in to credit solution and ask for 35,000 and let them counter
Really?..how lol. We are new at this. I called walmart today when i got my card. 500cli. It was declined..but automated
866-519-6441
it's sp

I sent you a PM

Re: Applicant / co applicant

Anonymous — Tue, 17 Nov 2015 02:15:46 GMT

HOLY CRAP YOU SIR ARE ON MY CHRISTMAS LIST. 30k!!!!!!!

Re: Applicant / co applicant

Creditaddict — Tue, 17 Nov 2015 02:18:24 GMT

@Anonymous wrote:
HOLY CRAP YOU SIR ARE ON MY CHRISTMAS LIST. 30k!!!!!!!

NICE!

Re: Applicant / co applicant

Anonymous — Tue, 17 Nov 2015 02:21:56 GMT

@Creditaddict wrote:
@Anonymous wrote:
HOLY CRAP YOU SIR ARE ON MY CHRISTMAS LIST. 30k!!!!!!!
NICE!

Im beyond excited! 6 months ago i couldn't borrow from my own piggy bank. Lol

Re: Applicant / co applicant

elim — Tue, 17 Nov 2015 02:31:50 GMT

I wouldnt apply for anything until that monster reports for a few months and you pay your latest charges off :] maybe it will prime up some lenders to start you at 10k+

congrats to both of you!

Re: Applicant / co applicant

Anonymous — Tue, 17 Nov 2015 02:35:13 GMT

@elim wrote:
I wouldnt apply for anything until that monster reports for a few months and you pay your latest charges off :] maybe it will prime up some lenders to start you at 10k+

congrats to both of you!

Thank you!!! 😎😎😎😎😎😎

All my charge offs were paid 6 months ago, im 100% debt free!!! Lol

yea we are done for awhile lol. We are super excited!

Re: Applicant / co applicant

Anonymous — Tue, 17 Nov 2015 02:36:37 GMT

@elim wrote:
I wouldnt apply for anything until that monster reports for a few months and you pay your latest charges off :] maybe it will prime up some lenders to start you at 10k+

congrats to both of you!

Will this type of sl help when i ask for my CLI on the cards i do have?