How to become an authorized user or Joint User on someones credit card with an established history?

Question

My brother's credit card history.

Answer 1

call the card company but if you want to make it joint they will need a written letter with both signatures on it

Answer 2

Have the owner of the account call the credit card company and just ask them to add an authorized user. Normally they just ask for the name and birthdate of the person you want to add on to the account. Very simple process.

Answer 3

It facilitates your credit if the account is in good status without lates and occasional utilization. in spite of the indisputable fact that, there are some exceptions. Many lenders will exclude approved person money owed. i'm a approved person on one in each and every of my spouse's account, the loan business enterprise i'm operating with excluded that from my records for making a credit determination. The credit status they pulled can sparkling out the approved person money owed. In different words, it may help including your score as calculated by technique of fico, yet individual lenders ought to ignore concerning the account and eliminate it from scoring for a wide purchase. it ought to help contained in the credit construction journey because it makes it a lot less puzzling to get unsecured charge playing cards. yet, it truly is purely no longer adequate for a higher purchase like a motor vehicle or living house.

Answer 4

Have him contact his credit card company, and request an additional card for you on his account. It will begin to reflect on your credit report.

Answer 5

He needs to contact the bank and add your name. If he really wants to.
After your credit is established, he can take you off his cards and you can get your own. Just don't f*** up. Not that you necessarily would.

Answer 6

He has to notify that company that he agrees to make you an authorized user.

Answer 7

If he has an American Express card, he can get one for you.