Jump to content

Master List of Joint Applicant Credit Cards?


erasmus33
 Share

The last post in this topic was posted 3996 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts


More and more this is being done away with.

 

I know not too long ago that PNC offered it but I have no idea if they still do. That was probably 2-3 years ago.

 

And it's not what you asked, but: I'll never open a joint account with my wife. I'd much rather have the ability to have 2 of anything we want, and it gives us a chance to have a more diverse credit profile.

Link to comment
Share on other sites

I completely agree with you. However, in this particular situation, I need to very quickly get a number of positive accounts up for an individual with extremely limited history.

 

Are there any other known entities that still allow joint applicants?

Link to comment
Share on other sites

Discover will. You need to call and ask. I believe there is a hard pull and they need to qualify. A few years ago BOA allowed it as well, again it had to be done via call and they mailed out an application. In both cases however you couldn't apply jointly. One person had to app and be approved, then request the joint.

Edited by CTSoxFan
Link to comment
Share on other sites

There are reasons to do a joint. I had to for a short time when most issuers stopped using household income and instead wanted individual. It wasn't a credit issue, it was an income issue.

 

Now that I make more it's no longer a problem, but for a while, my DW made *considerably* more money than me, and, as a result, our joint mortgage reflected our household income, and, for our household income was quite reasonable. However, against my income solely, it made it appear that I had a debt to income ratio (total debt payments divided by gross income) of over 75%, which most lenders run from. SOME would take into account the fact the mortgage was joint and halve it, but not always.

 

That's about the only situation where someone might *have* to do a joint app. Or, as a more specific example, a stay-at-home parent with NO income may also have to do so.

Link to comment
Share on other sites

  • 2 months later...

 

Wells Fargo Does

+1. My SO made me a joint owner on an 11 year old WF card... Really helped my AAOA. I was added after the card had been open for several years.

Edited by cv91915
Link to comment
Share on other sites

  • 6 months later...

The last post in this topic was posted 3996 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share




  • Member Statistics

    • Total Members
      189239
    • Most Online
      2046

    Newest Member
    JoyceLobianco
    Joined
×
×
  • Create New...

Important Information

Guidelines