picking a card

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
15 posts
Midori
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Postby Midori » Wed Jul 24, 2013 9:19 am

Looking for an edit button, can't find it...
I wasn't thinking and got my terminology muddled. Sigh.
Joint user. Is there a reason why you can't make your wife a joint user, either on your current card or on a new card.
It opens up the number of options available if you can. It limits them if you can't.


bigredball90
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Postby bigredball90 » Wed Jul 24, 2013 4:20 pm

I was able to pick up the barclay arrival world master card, and she is a AU on both of my cards. Looking into some other ones that will be easier for her to get. Thanks!

Midori
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Postby Midori » Wed Jul 24, 2013 7:10 pm

Authorized user won't do anything for her revolving credit, as far as my experience goes.
I had a spotless credit history; an score north of 800; 12 years' worth of paid-back student loans, vehicles, houses, etc; etc, etc, etc, and I still got turned down last fall for a plain ol' Lowe's store card due to lack of revolving credit. I felt really vulnerable, and realized I needed to develop some credit history independent of my spouse.
I picked up a Capital One Platinum cc as my starter. It had an annual fee (not waived the first year), but it was worth it as a stepping stone. It gives 1.5% (the .5% comes as an annual bonus for your yearly spend). I got $2k to start with, which got bumped up to $2500. I'll keep it for a little bit, and will get rid of it whenever I feel like it.
The credit card applications started coming in pretty regularly after I picked it up. I'm sure your wife will get plenty of junk mail with great sign-up bonuses once she gets a starter card, so it will just be a matter of time before she can make the jump to something more in line with where she wants to end up.

Kripler68
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Postby Kripler68 » Wed Jul 24, 2013 10:52 pm

My Wife was an AU on my cards and it showed her revolving credit on her report. Maybe the Company that reports can vary?

Midori
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Postby Midori » Wed Jul 24, 2013 11:18 pm

It's possible. I want to say when I looked over my free annual credit report, I remember it saying something like "card open since 1994, reporting since 2010." Or something like that, in reference to a card, leaving me with the thought that being allowed spending permission didn't matter, but being on the hook for payment responsibility did.



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