ok, i was put on a chase cc as a joint account, i think. i called chase to see how this all works. rep from chase said, at frist your an au, then they send paper work to my dad(its his card) for him to put me on as a joint account. then once he sends the paper work back, they put me on as a joint holder.( rep said no credit check on me either). then once as a joint holder, they send him more paper work to make sure ha wants too, ( to tell him he has to pay if i dont) the rep also said once im a joint , i can do the cli myself. has anyone on here ever had to do this for chase? do this sound about right? thanks