On Oct 31, 2015 I am getting married. My soon to be wife and I are considering options onm getting a credit card together. I have a BK discharged last year but have started rebulding. I have a car loan with Cap 1, a secured card with Cap 1 and I have a QS with Cap One with a $4k limit. I also have a Barclay reqards for $1k, An Apple Card with a $2k limit, Care Credit for $3600 and a few other store cards. She has a higher score (800+) and has some Barclay cards and Chase cards. She has a Slate and we are curioius of any cards we should have together. I know her score would have to be the big one on a card. I would like a DSapphire card and maybe an AMEX or Discover after that.
Any suggestions and why?
First off, congrats on the marriage!
Now, I may be ignorant in this matter (okay, not may, I am), why do you feel the need to get a card together? It sounds like you each have nice cards individually, why isn't that enough? If you need a card, that would be different, but I'm not getting that impression. If you want to have both your names on each other accounts, then you can add AU.
@pizza1 wrote:
@Officer737 wrote:On Oct 31, 2015 I am getting married. My soon to be wife and I are considering options onm getting a credit card together. I have a BK discharged last year but have started rebulding. I have a car loan with Cap 1, a secured card with Cap 1 and I have a QS with Cap One with a $4k limit. I also have a Barclay reqards for $1k, An Apple Card with a $2k limit, Care Credit for $3600 and a few other store cards. She has a higher score (800+) and has some Barclay cards and Chase cards. She has a Slate and we are curioius of any cards we should have together. I know her score would have to be the big one on a card. I would like a DSapphire card and maybe an AMEX or Discover after that.
Any suggestions and why?
First...Did you burn Chase in your BK?? Because it might be hard to get a card together even with her great scores, if you burned them. After your married, maybe your wife can just add you as an AU to her Slate that way. Do you need to have a card together?? If you burned Chase, AMEX, CITI in your BK...you wont get back in with them for a long time! Amex you wont ever if you dont pay them back...Discover is hit and miss on approving after a BK. If you burned them...it might be a long time as well.
It might be better if you just tell us first which big lenders you burned, and then we can go from there...and what are your current FICO scores?
Actually I didn't burn any credit card companies in my BK. My current scores are 620, 633, 644.
@LadyJEsq wrote:First off, congrats on the marriage!
Now, I may be ignorant in this matter (okay, not may, I am), why do you feel the need to get a card together? It sounds like you each have nice cards individually, why isn't that enough? If you need a card, that would be different, but I'm not getting that impression. If you want to have both your names on each other accounts, then you can add AU.
Thank you! 
It is something that we are looking at. She likes for us to share most things (both on the same cell phone bill, insurance, ect...). I think we are leaning more towards the AU option if we need to access each other's cards. Even with being married, your spouse doesn't always have full access to everything and due to my chosen profession, if something happens to me I want her to be able to take care of everything. Basically the card would be an "our card" if that makes sense.
@Officer737 wrote:
@LadyJEsq wrote:First off, congrats on the marriage!
Now, I may be ignorant in this matter (okay, not may, I am), why do you feel the need to get a card together? It sounds like you each have nice cards individually, why isn't that enough? If you need a card, that would be different, but I'm not getting that impression. If you want to have both your names on each other accounts, then you can add AU.
Thank you!
It is something that we are looking at. She likes for us to share most things (both on the same cell phone bill, insurance, ect...). I think we are leaning more towards the AU option if we need to access each other's cards. Even with being married, your spouse doesn't always have full access to everything and due to my chosen profession, if something happens to me I want her to be able to take care of everything. Basically the card would be an "our card" if that makes sense.
no offense, but you need to have your own individualities. You guys dont have to have everything together!
Now...back to you..your scores are way to low right now for any of the big lenders, plus...
1). Amex....min post BK is 5 yrs. They wont even consider you before then.
2). Chase...has a hard/fast 5/24 rule if applying to them. No more than 5 new accts in a 2 yrs period. Your scores need to be a min 650 for them, and Id app for the freedom at that point, and youll have to recon, because youll mre than likely be auto declined with the BK reporting. The freedom can start as low as $500 SL, and you could easily recon that.
3) Get your scores way up first, and dont apply for anything else id you wont your own Chase card. Like I said, start with Freedom, and then after having that card for awhile, you might be able to PC to Saphrire if thats what you want.
Just my 2 cents
I can certainly understand that given your chosen profession (according to Nic), you might feel that it is necessary but wouldn't the same be acheived if you added her as AU and supplied her with your login info? In the event of your death (heaven forbid), she can manage your account that way (I'm guessing) and since she has her own creidt profile, shouldn't be effcted negatively by your passing.
Personally, I wouldn't do it just so that it can be in both your names. There will be plenty that will be in both your names.
But hey, I'm single what do I know! 
@pizza1 wrote:no offense, but you need to have your own individualities. You guys dont have to have everything together!
Now...back to you..your scores are way to low right now for any of the big lenders, plus...
1). Amex....min post BK is 5 yrs. They wont even consider you before then.
2). Chase...has a hard/fast 5/24 rule if applying to them. No more than 5 new accts in a 2 yrs period. Your scores need to be a min 650 for them, and Id app for the freedom at that point, and youll have to recon, because youll mre than likely be auto declined with the BK reporting. The freedom can start as low as $500 SL, and you could easily recon that.
3) Get your scores way up first, and dont apply for anything else id you wont your own Chase card. Like I said, start with Freedom, and then after having that card for awhile, you might be able to PC to Saphrire if thats what you want.
Just my 2 cents
LOL....I said the same thing and spent 2 weeks in the dog house when I split the cell bill off on my own due to work (if our cell bills get subpeonaed into court then they can access every line on the account even if the other lines have nothing to do with the case) so I did it to try and protect her from defense attorneys.
Solid advice there. I am more than content to play in the garden for a while, believe me! Only card I am truely wanting is the CSP for some reason. The AMEX and Discover are ok but not accepted everywhere.
Bet you didn't realize you would also be getting some relationship advice here too...
Re: your bk, it's unusual to not include any CC's so am assuming all your accts were current & avoided being written off.
Your scores are lowish but you can improve that in 3-6 months.