Originally Posted by
Happy
You already identify the problem - each person must establish his/ her own credit history. Being an authorized user does not count (the loophole has been closed 2 years ago) because the primary user is 100% responsible for the debt, not the authorized user.
If your husband's denial of Citi cards is solely based on address discrepancy and the discrepancy is truly as you described, you should write a letter to Citi's Executive Office and ask for a review. The address has been mentioned multiple times in the AA 75K thread or you probably can google it.
We understand about the authorized user thing and get why Chase was justified in denying him on that basis, but since they had already approved him for a card, it just didn't make sense.
Thank you for suggesting writing the Executive Office for Citi. I had seen that before but forgotten about it. We will definitely do that.
After getting my husband his own Amex and putting him as joint on our other card, can we ask Chase to reconsider again as long as it's within 30 days of the denial? Will they pull a new credit report for him to verify the changes? Or are we just out of luck there do you all think?