topic Re: Joint Apps? in Credit Cards

Joint Apps?

SpecFile — Sat, 18 Aug 2007 15:34:49 GMT

Anyone with experience in CC joint apps? Do I call them and apply over the phone or do they send the app in the mail?

Thanks in advance!

Re: Joint Apps?

fused — Sat, 18 Aug 2007 18:22:35 GMT

SpecFile wrote:

Anyone with experience in CC joint apps? Do I call them and apply over the phone or do they send the app in the mail?

Thanks in advance!

Try Chase. CITI and Amex do not allow joint accounts.

Re: Joint Apps?

SpecFile — Sat, 18 Aug 2007 18:47:52 GMT

Thanks fused. My wife has the Chase Rewards with 7.5K CL. That is the one that I want to do the joint app. on. She also has a BofA Signature with 11.5K CL but I think I better not take my chances with that one just yet.

Re: Joint Apps?

SpecFile — Sun, 19 Aug 2007 00:14:54 GMT

How do I go about applying? Over the phone or mail???

Re: Joint Apps?

fused — Sun, 19 Aug 2007 01:40:10 GMT

SpecFile wrote:

How do I go about applying? Over the phone or mail???

1.) Have your wife call Chase and tell them she wants to change the account type from indvidual to joint.

2.) Over the phone they will place you as an AU immediately and mail your wife a simple little app for the two of you to fill out.

3.) You should receive your card and the app in about 7-10 days after this phone call. They may or may not pull your credit. I was shocked that they didn't pull mine.

Re: Joint Apps?

SpecFile — Sun, 19 Aug 2007 03:18:06 GMT

They put you as a joint holder on the account without pulling your credit? What was the balance on the card, if any, when you went joint?

Message Edited by SpecFile on 08-18-2007 10:18 PM

Re: Joint Apps?

fused — Sun, 19 Aug 2007 18:17:17 GMT

SpecFile wrote:

They put you as a joint holder on the account without pulling your credit? What was the balance on the card, if any, when you went joint?

Message Edited by SpecFile on 08-18-2007 10:18 PM

My DW's Chase Plat Visa has a 14 year history, CL of $19,300, no derogs and a balance of $2.3 or $2.4K at the time I applied.

Re: Joint Apps?

SpecFile — Sun, 19 Aug 2007 18:20:11 GMT

Not bad!

Re: Joint Apps?

MidnightVoice — Sun, 19 Aug 2007 18:22:46 GMT

I coverted wife from an AU to joint on Chase CC (easy) and my local Credit union CC (easy). And I converted myself from AU to joint on a local Mid West store card (easy).

Re: Joint Apps?

fused — Sun, 19 Aug 2007 18:36:19 GMT

The strange part were my scores dropping on EQ and TU after adding what I thought was a beautiful TL. Unbelievable!

Re: Joint Apps?

SpecFile — Sun, 19 Aug 2007 19:11:04 GMT

fused111 wrote:
The strange part were my scores dropping on EQ and TU after adding what I thought was a beautiful TL. Unbelievable!

How long were they down and did you ever find out why?

Re: Joint Apps?

fused — Sun, 19 Aug 2007 19:25:39 GMT

SpecFile wrote:

fused111 wrote:

The strange part were my scores dropping on EQ and TU after adding what I thought was a beautiful TL. Unbelievable!

How long were they down and did you ever find out why?

I can't figure why they went down. I can't believe adding a TL like this could possibly hurt my scores. I guess the others in my pool are outperforming me!

Re: Joint Apps?

SpecFile — Sun, 19 Aug 2007 19:34:39 GMT

fused111 wrote:

SpecFile wrote:

fused111 wrote:
The strange part were my scores dropping on EQ and TU after adding what I thought was a beautiful TL. Unbelievable!

How long were they down and did you ever find out why?

I can't figure why they went down. I can't believe adding a TL like this could possibly hurt my scores. I guess the others in my pool are outperforming me!

I would really be interested in finding out a little more about that drop in score. Hmmmmm...

Re: Joint Apps?

Anonymous — Mon, 20 Aug 2007 06:31:29 GMT

Check into some of the FCUs in the BK Friendly CC thread.

Re: Joint Apps?

Anonymous — Tue, 21 Aug 2007 22:12:32 GMT

I was just denied by BofA when trying to open a joint account from my wife's 0% preapproval. My EX-674, BK 8+ yrs. They said they don't accept BKs. We didn't ask them to reconsider though. It may be easier if the acct is already established. ?? Anyone know getting a joint app approved on CITI with my numbers?