Applicant / co applicant

[Anonymous]

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?

[fury1995]

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@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?

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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.

[Anonymous]

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

[fury1995]

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@Anonymous wrote:

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

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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

[fury1995]

Duplicate

[fury1995]

Duplicate

[Skye12329]

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.

[Anonymous]

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@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.

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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. 

[Creditaddict]

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

[Anonymous]

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@Creditaddict wrote:

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

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

Thanks everyone for the input 😎