No need to be rude. Lots of good advice offered relating to your situation. There's no guarantee that you will be approved even with a joint applicant but even if you were, people are advising you that it's not a great card since you will always be tied to the joint applicant. You would be better off waiting until you qualified for the card on your own. the same advice is offered basically anytime someone asks about a joint application with discover here.
@Anonymous wrote:
True. Wasn't being rude. Stating the facts. People answering my question would've been appreciated.
Appears CA answered your specific questions.
Yes, they send the form and there is no way of knowing if you'll be approved.
The other responses were in addition to CAs post and the advice was excellent. Asking for opinions will undoubtedly give responses you may not want to hear. Getting your util undef control would be the best option, then applying for your own cc. If your spending habits consists of maxing out your own cc, adding new debt to pay it in full will ame it harder for you to get your existing debt down.
@Anonymous wrote:
Thanks for the advice. But nowhere was I asking IF I should get the card or not. Thank YOU
o...................k,
lol
An entertaining thread. Would go well with popcorn.
I don't like the idea of having a cosigner, because if something goes bad, not saying it will, but things do happen, then you are both hurt by this. It would be another app with your mother on there, she might have a good enough CR to make it a go, but there's no way to know for sure.
I prefer to do it by myself, I don't even add my wife on anything of mine. Ours are completely seperate, except for the mortgage.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
