I believe it is a joint user since AU it probably wouldn't show up since we aren't related. It was an opened acct & active she uses it. It's her favorite store.
That is certainly what it seems to be if they had her sign something and did a hard pull on you.
Make certain that you understand that you are now responsible for everything she charges on this card...just as she will be responsible for your charging. Just keep a very close eye on things. Does she pay her balance every month, or does she revolve a balance? Even if she pays each month, I hope you don't get harmed by the utilization that shows on her statement.
If this is a joint user situation, you may have gained a bit of age, but this one could bite you in the end. Be very careful and don't let things go downhill.
Her account was open but inactive .
Thanks Woolfman. My husband has a card from about that timeframe, but it was closed long ago. I was wondering whether it could be brought back to life. I doubt it. I think they'd just tell us to app again, which would defeat the purpose.
I believe it is a joint user since AU it probably wouldn't show up since we aren't related. It was an opened acct & active she uses it. It's her favorite store. She's the type that pays her bill in full each month so I trust her 100%.
I won't get a card. My friend has helped me immensely. She co-signed on a loan for me and my score took a jump. She's married, we work together. She makes good money & she is married he makes great income. She has great credit. I just want the account's history. I don't know when it'll hit my reports. Orchard I'm hoping hits now in March.
It is great that your friend is helping you...and, if you don't have a card, she won't be responsible for your spending (because you can't). But you have now become responsible for her spending on this card.
Because she has great credit, hopefully this will work out the way you hope. I understand your desire for the card's history.