topic Re: Joint Account Question in Credit Cards

Joint Account Question

Skye12329 — Fri, 25 Apr 2014 18:03:02 GMT

So i was thinking about adding my BF to one of my cards as Joint user, hes already an authorized user, but i dont think its reporting like a Joint would report.

My questions are:

1. Is he guranteed approval on being a Joint User? Like an AU is.

2. Is it a HP?

3. Would it show up as two accounts? or Just one? Considering hes already an AU.

Re: Joint Account Question

09Lexie — Fri, 25 Apr 2014 18:09:06 GMT

@Skye12329 wrote:
So i was thinking about adding my BF to one of my cards as Joint user, hes already an authorized user, but i dont think its reporting like a Joint would report.

My questions are:
1. Is he guranteed approval on being a Joint User? Like an AU is.
2. Is it a HP?
3. Would it show up as two accounts? or Just one? Considering hes already an AU.

No, he is not guaranteed as an approval. Credit will be ran and depending on the creditor a new TL. Keep in mind, if you decide to remove him later, that account would be closed and the process would start over again.

Which lender?

Re: Joint Account Question

Skye12329 — Fri, 25 Apr 2014 18:10:57 GMT

Capital One is the lender.

Re: Joint Account Question

Anonymous — Fri, 25 Apr 2014 18:21:37 GMT

@Skye12329 wrote:
Capital One is the lender.

As far as I know, Capital One unfortunately doesn't offer joint credit cards, only joint checking/savings accounts.

Re: Joint Account Question

fittiger — Fri, 25 Apr 2014 18:49:11 GMT

I don't think Cap1 allows joint account holders anymore. Discover on the other hand seems to allow you to add a joint without even pulling the CR's of the new user to be added.