- Centurion Member
- Posts: 793
- Joined: Mon Oct 22, 2012 7:11 pm
- Location: NY
Yes it would hurt you chances of being approved if she is the joint applicant... a lot...
She could be added as an authorized user after you are approved. The difference between the two is who is responsible for the debt.
Joint account = you both are equally responsible.
Authorized user = You are responsible for the debt, not the AU. Banks dont care who you give an AU card to.
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K
Citi Simplicity - 5K, Sam's Club Discover - 10K
Sallie Mae World Mastercard
Exp 772 - TU 781 - Equ 781