How can I have two people apply for a credit card /... - General FAQ

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » Questions » FAQs » General » How can I have two people apply for a credit card / two people reflected on statement?

How can I have two people apply for a credit card / two people reflected on statement?

Answered on | Updated on September 20th, 2019
The content is accurate at the time of publication and is subject to change.

There are so-called joint credit card accounts. This means you can have a joint account holder, also known as a co-signer. Joint account holders can both use the credit card equally and are both liable for making credit card payments. Credit card issuers typically do not allow a joint account holder to be added after an account already exists, so both parties need to apply at the same time.

Unfortunately, not all card issuers offer joint accounts as an option. As of 2019, US Bank and PNC Bank are two examples of credit card issuers that still offer the option. Most other popular banks have moved away from this practice, but they do allow account holders to add authorized users. Authorized users can typically make purchases, report stolen or lost cards, obtain account information and make payments. But they are not responsible for paying the bills. In addition, in most cases, issuers will report account credit history to the credit bureaus to authorized users as well.

For example, one of you may apply for the Discover it® Cash Back credit card. After approval, you will be able to add an authorized user online or by phone providing their name, SSN, date of birth and address.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Excellent, Good Credit
Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Excellent, Good Credit
Perfect credit not required for approval; we may approve you when others won’t
Fair/Bad Credit

Other Questions in
General

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!