Credit and Credit cards

[arh1 2]

Just a quick query...

If my wife adds me as a cardholder to a couple of her credit cards, does this help or hinder my credit here in the US?

Thanks

[Nich-Nick 3,354]

Just a quick query...

If my wife adds me as a cardholder to a couple of her credit cards, does this help or hinder my credit here in the US?

Thanks

I don't really know the answer but I can give you an experience. I added my husband to several credit cards a few years ago. Not long ago he checked the free credit report thing and found a long history for Continental Mastercard, Macy's, etc. in his name all showing paid on time. He didn't check the credit score because you have to pay for that. I guess if the cards get paid off on time, then it would help you and if she has bad credit, it would hinder you. My husband gets offers for credit cards constantly but has never applied.

Another experience that shows his history isn't that great just based on mine-- We were in Target to get an iPad. The guy suggested applying for a RedCard on the spot and getting $50 off the iPad (10%). Or maybe it was just 5%. I said you try it and see if you can get credit. So with just his name, address, and SSN he was approved for $500 limit. Then I decided I wanted a TV that was on sale. We couldn't use his 10% because the iPad maxed out his 5 minute old card. So I applied at the register and mine came back $3000 limit.

[arh1 2]

I don't really know the answer but I can give you an experience. I added my husband to several credit cards a few years ago. Not long ago he checked the free credit report thing and found a long history for Continental Mastercard, Macy's, etc. in his name all showing paid on time. He didn't check the credit score because you have to pay for that. I guess if the cards get paid off on time, then it would help you and if she has bad credit, it would hinder you. My husband gets offers for credit cards constantly but has never applied.

Another experience that shows his history isn't that great just based on mine-- We were in Target to get an iPad. The guy suggested applying for a RedCard on the spot and getting $50 off the iPad (10%). Or maybe it was just 5%. I said you try it and see if you can get credit. So with just his name, address, and SSN he was approved for $500 limit. Then I decided I wanted a TV that was on sale. We couldn't use his 10% because the iPad maxed out his 5 minute old card. So I applied at the register and mine came back $3000 limit.

Thanks for your input. She has good credit, so I guess it wont hurt to get put on them.

[ScottnIzabela 25]

Just a quick query...

If my wife adds me as a cardholder to a couple of her credit cards, does this help or hinder my credit here in the US?

Thanks

i would advise if :

her credit is good or better--

and yours is no credit at all-- then do it.

it will benefit you.

if you are credit challenged like me...well dont screw her history by polluting hers with your history..

dont do it if your credit is bad or worse, it will drag her down if you mess up payments.

AND

everyone is entitled to one free credit report from each of the big three each year. you must contact them directly to request the free copy.

[Noel194 53]

Capital One actually has a credit card for new immigrants to the USA. When my wife arrived a received her SSN I applied and they gave her a no fee credit card with a 500 limit. After 6 month it increased to 750. Here is the link

http://www.capitalone.com/creditcards/newcomer-credit-card/a/