Joint Credit Card Holder Tips
Author: katwoman
Posted: Wed Feb 09, 2005 3:57 pm
Post subject: Can a AU Become Named as a Joint CC Holder?
I'm AU on a number of my mothers cards and I'd like to become a joint account holder. Is this possible? I've never seen any threads on this subject.
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Author: NightStar
Posted: Wed Feb 09, 2005 6:17 pm
Post subject:
There should be no problem for converting over to joint account holder, but the creditor may pull your credit report before approving joint status.
Usually only reason I would see to be joint, is if you are going to be jointly using and paying on the account, or like if you needed control of the account (like in case of power of attorney).
It opens up your ability to communicate with customer service to make nessassary changes to the account.
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Pammila Phillis
Board Monitor
http://www.cardratings.com
501-663-0314 PH
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: hesiden
Posted: Wed Feb 09, 2005 7:38 pm
Post subject: Joint Credit Card Holder Tips
Do you know what happens to account history for the orginal user and for the new person? Possibly a good way to increase the average age of accounts?
How do they calculate account ages? Only for open accounts or are closed accounts added in somehow also?
Author: mouse
Posted: Wed Feb 09, 2005 10:09 pm
Post subject: Re: Can a AU Become Named as a Joint CC Holder?
katwoman wrote:
I'm AU on a number of my mothers cards and I'd like to become a joint account holder. Is this possible? I've never seen any threads on this subject.
Probably do a "HARD" (Unless you have positive prior business with that company)
I have a couple of "JOINT" credit cards but most are individual and a few "AU"
You later want out...you CAN'T unless the account is closed
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Wed Feb 09, 2005 3:57 pm
Post subject: Can a AU Become Named as a Joint CC Holder?
I'm AU on a number of my mothers cards and I'd like to become a joint account holder. Is this possible? I've never seen any threads on this subject.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: NightStar
Posted: Wed Feb 09, 2005 6:17 pm
Post subject:
There should be no problem for converting over to joint account holder, but the creditor may pull your credit report before approving joint status.
Usually only reason I would see to be joint, is if you are going to be jointly using and paying on the account, or like if you needed control of the account (like in case of power of attorney).
It opens up your ability to communicate with customer service to make nessassary changes to the account.
_________________
Best Regards,
Pammila Phillis
Board Monitor
http://www.cardratings.com
501-663-0314 PH
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: hesiden
Posted: Wed Feb 09, 2005 7:38 pm
Post subject: Joint Credit Card Holder Tips
Do you know what happens to account history for the orginal user and for the new person? Possibly a good way to increase the average age of accounts?
How do they calculate account ages? Only for open accounts or are closed accounts added in somehow also?
Author: mouse
Posted: Wed Feb 09, 2005 10:09 pm
Post subject: Re: Can a AU Become Named as a Joint CC Holder?
katwoman wrote:
I'm AU on a number of my mothers cards and I'd like to become a joint account holder. Is this possible? I've never seen any threads on this subject.
Probably do a "HARD" (Unless you have positive prior business with that company)
I have a couple of "JOINT" credit cards but most are individual and a few "AU"
You later want out...you CAN'T unless the account is closed
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 6:55 PM
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