@Anonymous wrote:
As I continue my credit score building grind (and it IS indeed that, a grind), my partners sister suggested something that helped her bounce back from a grueling credit score building process; "Get a credit card together!".
Like myself, her credit took a major plummet after a few medical bills got out of her control. She filed for bankruptcy and utilized her partners credit to bring her score back up. As this sounds promising, I'm not sure what type of card we should try for. Naturally, I would rather us apply for a card where we can gain some sort of rewards (miles, points, etc.), but I'm not sure how the flaws on my credit will damper his.
Does anyone have any advice on this matter? Any tips or How-To's?
Thanks in advance!
Discover allows you to add a joint account holder very easily once it's open (does your partner have one?)
Mind you if in the future you want CLI's, I find that SP CLI's are impossible to get and CLI requests will require both people to be on the phone and both take a hp.
if the account is already in a good place than you can be added without a credit pull and be done with it.
USBank allows joint applicants from the beginning of the application and it will go off primary only.
Most other places stopped doing joint accounts because it was the backdoor into many banks back before 2008
