@Creditaddict wrote:
@Closingracer99 wrote:
@Creditaddict wrote:1. Joint Credit Cards are rarely available these days so lets start there.
2. For car if you just did it and it's your local credit union, worth a call to see if they would re-do contract but chances are slim since they would basically be cancelling the other loan contract and doing another.
3. Do you have an American Express... that would be my #1 choice for you to add her too.
4. If she doesn't care about building on her own faster then you adding her to 2-3 accounts (amex, Chase, Capital One, Bank of America) come to mind as top picks and then wait 6 months... she will then generate her own Fico (maybe 7) and at that point could apply for her own cards with just about anyone and probalby get approved.
5. if she wants to build her own now she could probably get capital one journey, possibly a citi card and bofa I have heard of some getting issued with no credit. but smaller limits.
6. I would not do joint unless you have discover (they are one of the few that still offer it and it's easy and no credit pull for her... you call and ask for joint application form to be sent, you both fill it out and send back and short time later she will get card and it's joint) but problem with joint is they usually have to be closed to get a joint holder off, can't just request someone be removed like with AU.
and i keep reading that no one cares about AU... that is FALSE... while at one time lots of talk of banks stopping to count AU for scoring and approvals, many still do and most of the systems do too!
US bank offers it for theirs and I believe my parents are joint on a chase Freedom but they had it for like forever ,
I have also said SOME banks don't care about AU like Chase
Chase did use to but no longer offers joint accounts.
Ah Ok didn't know that . Just knew my parents were joint account users with their Freedom card. My mother been a chase customer before they were named Chase lol.
