t****7
发帖数: 14 | 1 我申请信用卡时，顺带就填了女友的名字。这样，一个账号，有两张信用卡。
请问，她使用这张卡，会积累信用吗？ |
b******i
发帖数: 4413 | |
s**********g
发帖数: 14942 | |
g*****i
发帖数: 4457 | 4 unless add her as joint acct holder
but most of the cc issuers r not doing this
u can try chase |
b**********t
发帖数: 1760 | 5 我老婆有我6张副卡，拿到ssn才半年，现在随便申卡额度都比我高..
【在 s**********g 的大作中提到】
: typically no for now
|
s**********g
发帖数: 14942 | 6 it does not necessarily mean it helps much
it may (or may not) help instant approving as those cards are counted in a
credit report, and a computer may just acknowledge it
however, CSRs do not value them if they do manual check
moreover, ur wife has credit & cards from u, indicating u guys have enough
household income to pay the bills; and ur wife has few cards under her name,
so banks may want to give her some more credit line encouraging her to shop
. Still, it does not mean her credit is better.
【在 b**********t 的大作中提到】
: 我老婆有我6张副卡，拿到ssn才半年，现在随便申卡额度都比我高..
|
i**y
发帖数: 1339 | 7 我记得在算总的credit pool的时候，副卡主卡都是算的。她老婆的副卡和主卡是一样对
待的，不会因为只有副卡，没有几张主卡而多给credit
name,
shop
【在 s**********g 的大作中提到】
: it does not necessarily mean it helps much
: it may (or may not) help instant approving as those cards are counted in a
: credit report, and a computer may just acknowledge it
: however, CSRs do not value them if they do manual check
: moreover, ur wife has credit & cards from u, indicating u guys have enough
: household income to pay the bills; and ur wife has few cards under her name,
: so banks may want to give her some more credit line encouraging her to shop
: . Still, it does not mean her credit is better.
|
s**********g
发帖数: 14942 | 8 yes, it is counted in credit report as I mentioned. So instant approval may
be helped.
however, someone asked chase CSR, and they say they rule out those
authorized cards before making a decision (maybe the ones requiring manual
review), because you r not the one paying off the bills, so it is not ur
credit
样对
【在 i**y 的大作中提到】
: 我记得在算总的credit pool的时候，副卡主卡都是算的。她老婆的副卡和主卡是一样对
: 待的，不会因为只有副卡，没有几张主卡而多给credit
:
: name,
: shop
|
T*****u
发帖数: 759 | 9 mark
【在 t****7 的大作中提到】
: 我申请信用卡时，顺带就填了女友的名字。这样，一个账号，有两张信用卡。
: 请问，她使用这张卡，会积累信用吗？
|
l***h
发帖数: 9308 | 10 很久已经，这种piggyback行为是绝对可行有效的，后来有一段时间，信用机构不认可，
不过2009还是2010年开始，又认可了这种方式。
【在 s**********g 的大作中提到】
: typically no for now
|
c****n
发帖数: 1630 | 11
可，
是的，但是这个“认可”与否指的是信用局如何计算信用分。
至于各家银行认可与否，那又是另一回事。
但是总的来说附卡肯定是有帮助的，只是帮助大小的问题。
【在 l***h 的大作中提到】
: 很久已经，这种piggyback行为是绝对可行有效的，后来有一段时间，信用机构不认可，
: 不过2009还是2010年开始，又认可了这种方式。
|
w******e
发帖数: 796 | 12 请问她可以申你申过的卡吗？
【在 b**********t 的大作中提到】
: 我老婆有我6张副卡，拿到ssn才半年，现在随便申卡额度都比我高..
|
l***h
发帖数: 9308 | 13 说的就是FICO如何计算分数的因素之一，跟银行没关系。
【在 c****n 的大作中提到】
:
: 可，
: 是的，但是这个“认可”与否指的是信用局如何计算信用分。
: 至于各家银行认可与否，那又是另一回事。
: 但是总的来说附卡肯定是有帮助的，只是帮助大小的问题。
|
