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Who allows Joint Applicants

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Wolf3
Senior Contributor

Who allows Joint Applicants

AMEX,  Barclay, Capital One, Comenity Do Not.

 

Who does and who does not?

Message 1 of 13
12 REPLIES 12
Creditseeker93
Valued Member

Re: Who allows Joint Applicants

I know Chase and Discover both do. 

***AMEX PLATINUM NPSL *******AMEX BCP 23,100***** CITI DOUBLE CASHBACK $5,900 *****Chase Sapphire Preferred $10,000 **** Chase Freedom $8,000 *****Sears Mastercard Platinum $5,000 **** Macy's Star Rewards $1,000 ***** American Express BCE $24,900 (AU) **** *****Discover IT $8,500 (AU)*****
Message 2 of 13
Wolf3
Senior Contributor

Re: Who allows Joint Applicants

Apparently GE does not

Message 3 of 13
creditnocash
Valued Contributor

Re: Who allows Joint Applicants

when best buy was hsbc they did, not sure about cap one version. 

 

are you only trying to apply jointly? 

have you thought about just being added as an au on a older account? 



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Message 4 of 13
distantarray
Established Contributor

Re: Who allows Joint Applicants

Macy's does but with Macy's the joint applicant's credit does not matter AT ALL!

 

Go in person to a Macy's sign up for a credit card, if the applicant on top of the form has a 720 or above the secondary applicant's credit won't even be checked.

 

You'll get 2 credit lines under 1 card Macy's store when you use it at the store account, and a Macy's Amex you can use everywhere else. only get one card but 2 accounts. Pretty spiffy Smiley Happy


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 5 of 13
BornSupercharged
New Contributor

Re: Who allows Joint Applicants

NFCU does, we just got approved easily for 15k. 

Message 6 of 13
Wolf3
Senior Contributor

Re: Who allows Joint Applicants

DW and I both have individual accounts with a few AU going both ways.  I am thinking it might be good to have 1 Joint Account where both have Full Authority.    

 

 

It seems to me that most applications allowed for joint applicants when they were mostly paper and both signed.   Not so many anymore.

Message 7 of 13
Wolf3
Senior Contributor

Re: Who allows Joint Applicants


@distantarray wrote:

Macy's does but with Macy's the joint applicant's credit does not matter AT ALL!

 

Go in person to a Macy's sign up for a credit card, if the applicant on top of the form has a 720 or above the secondary applicant's credit won't even be checked.

 

You'll get 2 credit lines under 1 card Macy's store when you use it at the store account, and a Macy's Amex you can use everywhere else. only get one card but 2 accounts. Pretty spiffy Smiley Happy


Does 2nd applicant have full authority?

 

Message 8 of 13
distantarray
Established Contributor

Re: Who allows Joint Applicants


@Wolf3 wrote:

@distantarray wrote:

Macy's does but with Macy's the joint applicant's credit does not matter AT ALL!

 

Go in person to a Macy's sign up for a credit card, if the applicant on top of the form has a 720 or above the secondary applicant's credit won't even be checked.

 

You'll get 2 credit lines under 1 card Macy's store when you use it at the store account, and a Macy's Amex you can use everywhere else. only get one card but 2 accounts. Pretty spiffy Smiley Happy


Does 2nd applicant have full authority?

 


joint account = full authority

 

Authorized user = no authority just spendability

 

Macy's is a joint account =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 9 of 13
daybreakgonesXe
Valued Contributor

Re: Who allows Joint Applicants


@Wolf3 wrote:

Apparently GE does not


Some GE accounts do but the application must be mailed in...for example, for a JCP account, you can only apply as a single applicant through the instant decision system, whether in-store or online. However, our paper applications, which you can pick up in-store or request through the phone, has an option to be a "co-applicant", which is the same as a joint user becaue both are equally responsible for the account.

Message 10 of 13
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