Feb 13, 2014, 6:40 pm
Last edit by: MDtR-Chicago
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Authorized Users / Additional Cardholders / Joint Accounts / AU [Consolidated]
Jul 28, 2009, 5:52 pm
#1
Original Poster
Join Date: Oct 2007
Location: Los Angeles
Programs: AA EXP, AS MVPGold, DL Gold Medallion, Avis Presidential, Marriott Gold, Hilton Gold
Posts: 192
Authorized Users / Additional Cardholders / Joint Accounts / AU [Consolidated]
I'm wondering if there's any way of signing up for any of the Citi Aadvantage cards as a joint credit card account.
I'm not talking about a single account with an extra card with a child or spouse's name on it, but a true joint account where both applicants' credit history gets taken into account.
Anyone have any experience with this? If I can't do it with a Citi card, any advice on which cards do offer this option?
I'm not talking about a single account with an extra card with a child or spouse's name on it, but a true joint account where both applicants' credit history gets taken into account.
Anyone have any experience with this? If I can't do it with a Citi card, any advice on which cards do offer this option?
Jul 29, 2009, 10:48 am
#3
Original Poster
Join Date: Oct 2007
Location: Los Angeles
Programs: AA EXP, AS MVPGold, DL Gold Medallion, Avis Presidential, Marriott Gold, Hilton Gold
Posts: 192
There are plenty of joint credit cards out there that will accomplish this. Just figured that we might as well get some miles earnings out of the deal.
Jul 29, 2009, 11:10 am
#4
Join Date: Sep 2000
Location: OH
Programs: AA Lifetime Plat, Marriot Lifetime Gold
Posts: 9,539
Actually, being a secondary on a card, not a true joint, but authorised user, will often also help repair one's credit score.
I think US Bank offers joint ownership, but they might have moved away from it since it caused a lot of systems issues. It was more common with bank's that issued a lot of cards in Wisconsin due to WI very strong community property laws
I think US Bank offers joint ownership, but they might have moved away from it since it caused a lot of systems issues. It was more common with bank's that issued a lot of cards in Wisconsin due to WI very strong community property laws
Jul 29, 2009, 11:38 am
#5
Original Poster
Join Date: Oct 2007
Location: Los Angeles
Programs: AA EXP, AS MVPGold, DL Gold Medallion, Avis Presidential, Marriott Gold, Hilton Gold
Posts: 192
FICO responded by saying that they'd stop considering "authorized user" accounts. But then they backtracked... maybe. So it's all very confusing. My understanding is that the only way to really do it is with a "joint" account, as opposed to adding an "authorized user."
Jul 29, 2009, 12:17 pm
#6
FlyerTalk Evangelist
Join Date: Aug 2001
Programs: DL GM, AA Gold, Hilton Diamond, Bonvoy Plat
Posts: 12,171
Credit Unions are good at offering joint credit cards, the major issuers (Citi, Chase, BofA) not so much.
The aforementioned US Bank does offer joint (my former NWA Visa is a joint account). The current application page for their FlexPerks visa offers a joint option.
As to repairing credit, if one half of the equation has bad credit, a joint application can actually hurt. The weaker applicant can drag the whole application below the approval line. Better for the stronger party to sign up as a single and add the person with less than stellar credit as an authorized user.
The aforementioned US Bank does offer joint (my former NWA Visa is a joint account). The current application page for their FlexPerks visa offers a joint option.
As to repairing credit, if one half of the equation has bad credit, a joint application can actually hurt. The weaker applicant can drag the whole application below the approval line. Better for the stronger party to sign up as a single and add the person with less than stellar credit as an authorized user.
Jul 29, 2009, 12:42 pm
#7
Original Poster
Join Date: Oct 2007
Location: Los Angeles
Programs: AA EXP, AS MVPGold, DL Gold Medallion, Avis Presidential, Marriott Gold, Hilton Gold
Posts: 192
As to repairing credit, if one half of the equation has bad credit, a joint application can actually hurt. The weaker applicant can drag the whole application below the approval line. Better for the stronger party to sign up as a single and add the person with less than stellar credit as an authorized user.
Jul 29, 2009, 2:55 pm
#8
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,767
My understanding is, the bad credit score cannot be repaired much by the "Joint ownership" as advertised by credit score repair companies.
Why is the person has only low 600's if there is no bankruptcy or anything like that (meaning no forgiven debt, no late-payments, no non-payments...)?
Jul 29, 2009, 4:13 pm
#9
Join Date: May 2008
Programs: AA PLT 2MM
Posts: 2,026
I thought the OP was talking about some California specific credit card or something offered by Citi, a potentially interesting reward program. 
Aug 28, 2009, 11:05 am
#10
Join Date: Aug 2009
Posts: 527
Questions about Authorized Users / Additional Cardholders / AU [Consolidated]
I want to add a user to my Citi business card. When I go to "Add new employee account" it asks for their social security number. Will it do a hard pull on their credit? Any other caveats I should be aware of when doing this?
Aug 28, 2009, 12:41 pm
#11
FlyerTalk Evangelist
Join Date: Aug 2001
Programs: DL GM, AA Gold, Hilton Diamond, Bonvoy Plat
Posts: 12,171
No hard pull for an authorized user. they may check internally to see if the AU has a Citi blacklist, but I've added my wife to my account (and vice versa) and there was no hard pull.