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US Bank HP both ppl to add joint owner

Valued Contributor

Re: US Bank HP both ppl to add joint owner

@Birdman7 wrote:
It’s definitely convenient to be able to add and remove an AU and it’s definitely not possible with a joint owner, you’re right, you have to close the account typically. However, the joint owner is entitled to all the same benefits as the other joint owner, AFAIK. In my experience the benefits are the same, as are the responsibilities.

Another big difference is this, under FICO 8 an AU may not count for age, whereas a joint account ALWAYS will. Yes, I would not have wanted it as an AU. But it all depends upon your purpose.

It depends on the product. 


With th the Altitude Reserve, the joint owner is NOT entitled to any of the same benefits as the primary card holder.


We had to pick who wanted the priority pass and there was literally no way to change that selection. Only one set of WiFi passes as well. 


The only benefit we got was another credit card with charging privileges. The insurance coverages would have covered AU’s or family members anyway. 

Total Revolving Limits $254,800

Message 11 of 13
Valued Contributor

Re: US Bank HP both ppl to add joint owner

I will never again have an AU or a joint owner.  Been there.  Done that.  Didn't like it.

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Message 12 of 13
Super Contributor

Re: US Bank HP both ppl to add joint owner

@Shadowfactor I see what you’re saying, they did not duplicate benefits and give you two of everything. Each joint owner was entitled to the same benefit, but you had to choose who is going to exercise the benefit. Now I understand exactly what you mean. And, yes in that case you need two accounts and two annual fees.

Like I said it depends on the purpose, it did not fit yours, it did fit mine. YMMV
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CassieCard’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
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Message 13 of 13
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