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I'm looking to get a cap1 quicksilver visa as I'm liking the 1.5% cash back. I want to do a joint account. Is it better to open it myself first then add her (can I avoid a hard pull on her account then?) or will it not matter and I should just put both of us on it from the get go? Not too worried about approval we're both high 700s so that shouldnt be an issue.