Apple card combination question

[NoMoreE46]

Thanks dude.  

I am floating this as my Top  thread.   

[NoMoreE46]

PS, calling dibs on @Aim_High  to be my Apple Card family member...

[Aim_High]

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@NoMoreE46 wrote:

PS, calling dibs on @Aim_High  to be my Applecard family member...

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Is this a proposal, @NoMoreE46 ?  

I don't even know if if you're my type.  Lol  

Good to know about the possibility of account combos, @Cashbackjunky!  Thanks for the details and updates.  That could be a handy trick for some of our members. 

It appears to me that you're basically taking two individual accounts and combining into one JOINT account with the higher CL available to both users.  So it's not really a TCL increase as an aggregate, but it does increase the credit available to both members.  The downside to me would be that joint accounts can have issues.  I went through a divorce with some joint accounts and depending on the lender, some would not allow the account to stay open even if separated. Other lenders might allow one party to assume any debts.  I decided not to have any joint accounts going forward. 

[NRB525]

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@Cashbackjunky wrote:

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@NoMoreE46 wrote:

So essentially,  this family merge is like a double CLI for both account holders...

@Cashbackjunky  got a $10,000 CLI and the wife got a $15,000 CLI-  right???

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That's how it's worked out so far. I'll update the thread in a month or so once I confirm our account history has remained intact for both accounts

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It may report to each cardholder credit bureau that they each have a $15,000 limit. 
However my further expectation is, if Player 1 charges $1,000 on their card, and Player 2 charges $500 on their card, at month end the Apple Card's will each report a $15,000 limit, and a $1,500 balance, on each cardholder bureau report.  

Change my mind. 

[NoMoreE46]

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@Aim_High wrote:

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@NoMoreE46 wrote:

PS, calling dibs on @Aim_High  to be my Apple Card family member...

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Is this a proposal, @NoMoreE46 ?  

I don't even know if if you're my type.  Lol  

😚

[NoMoreE46]

Now that the December statements have posted - is there any more insight you can offer now on your combined accounts @Cashbackjunky?

Its apparent that your SL of $15,000 and DW's $10,000 are now one card of $25,000.

[NoMoreE46]

Bump.

[NRB525]

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@NoMoreE46 wrote:

Bump.

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Yes, inquiring minds would like to know whether the spend on the two cards is also combined to a total balance that both cards report.

[Cashbackjunky]

** Update **

Both my wife and I see the new CL of $25k on our reports. The cards are reporting spend from both cards to the bureaus as well.

The account is showing as "joint" now on our reports too.

Cheers!

[NoMoreE46]

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@Cashbackjunky wrote:

** Update **

Both my wife and I see the new CL of $25k on our reports. The cards are reporting spend from both cards to the bureaus as well.

The account is showing as "joint" now on our reports too.

Cheers!

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Saw-wheet. 

@Cashbackjunky ,

Does the account open date for your wife now reflect the older date (of when you opened your Apple card?)