Chase CC and adding a Joint Account Holder

Anonymous · ‎09-01-2011

I am an authorized user for this credit card right now, if I add myself as a joint account holder.....will they pull a hard inquiry??

Thanks in advance

tntexans72 · ‎09-01-2011

@Anonymous wrote:
I am an authorized user for this credit card right now, if I add myself as a joint account holder.....will they pull a hard inquiry??

Thanks in advance

I have add my spouse as a joint applicant on one of my Chase CC and there are no hard pull on her CR. This was done 3yrs ago.....

Anonymous · ‎09-02-2011

ok thanks!!!

john398 · ‎09-02-2011

does it report on the au cedit report?

fused · ‎09-02-2011

@Anonymous wrote:

I am an authorized user for this credit card right now, if I add myself as a joint account holder.....will they pull a hard inquiry??

Thanks in advance

My experience was the same as tntexans. Chase didn't pull a hard or a soft inq when I was an AU and apped for joint account holder. This was also three years ago.

Anonymous · ‎09-02-2011

How long does it usually report on the credit report as AU or JC?

Anonymous · ‎09-03-2011

Just did the exact same thing a couple months ago. Within a month it should show as a revolving account on your reports. Chase did not do a hard pull when going from an AU to a joint account holder.

Anonymous · ‎09-04-2011

@Anonymous wrote:
Just did the exact same thing a couple months ago. Within a month it should show as a revolving account on your reports. Chase did not do a hard pull when going from an AU to a joint account holder.

thanks, if its not reported yet, do you know if I can call the credit bureau and they can have Chase resend the revolving accounts on my report?

I would really appreciate if anyone knows the answer to this

flyingmd · ‎09-04-2011

You can't "add" yourself. They will require a new application. Then, if approved it would show as your account as well as the co-applicants. I have had joint cards in the distant past whcih only showed on the primary applicants CR and not the secondarys. But it has been a very long time since I have had a joint account. I will call and ask.