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Is it possible for us to sign up for a joint secured credit card?
My spouse and I recently completed debt consolidation and payoff. We now need to reestablish credit and want to do it with one secured credit card.
Asked by
moakes
1 year ago
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You can sign up for a joint credit card however, the primary (Or first applicant) will be the one who's credit gets effected.
HANSEN81 1 year ago
I thought credit is joint once you are married. I have heard about many people getting their credit screwed because of a spouse's spending/credit habits. In our case, we want to reestablish and improve it.
moakes 1 year ago
Just to clarify, when you get married, your credit is not automatically joint or joined together. Only when you share and put both of your names down for a credit line, such as a mortgage or auto loan or credit card you both take out together, is your credit score affected by what your spouse does on that credit line. Even then, their history is not "joined" with yours; only when they act on your shared credit line are both of your credit scores impacted.
justineriv 1 year ago