- Centurion Member
- Posts: 508
- Joined: Tue Aug 13, 2013 10:04 pm
- Location: ca
bk that was filled 4 years ago? any creditor will still look at your application heavily if you have it on record, I would see if theres any possible way to apply yourself, and have her as AU and let her use it..any cashback she collects she gets, and any charges on there, she will pay..but this is a leap of faith (so to speak) on your part
the problem with having her apply for it, (versus letting her be added on as AU) is b/c if its as AU, she's not liable, which is why she can be added.. its one thing to let her use it as AU, but another to let her have one and be responsible for it given the track record.
not, that there aren't special circumstances, such as the one your mom is involved with.
so you can certainly try, but i can almost guarantee esp with a lender like amex, that they'd auto decline. Once that happens I would dial in for a reconsideration.. see if you can get a rep who will take the time to analyze the whole situation and see if there is any wiggle room.