Credit card information for the past few years

[R and L 5]

We still have quite a few months before the need to actually send the ROC package, but just realized a little challenge and hoping that somebody more experienced here in VJ could advice us.

My hubby (USC) added me as an authorized user to his credit card close to two years ago and we both use our shared credit card account a lot, hence this will be one of our co-mingling finance evidence. However, looking at our credit card information, in all of the monthly credit card statements for the past few years, there's only my hubby's name mentioned. So we contacted the bank and they said it's not actually possible to add another name to the monthly statements or bills.

So the best available way that we can think of to show shared usage of our credit card, is:

- a letter from the bank stating I've been an authorized user from - to -.

- print our monthly statements of the few year period that is requested for ROC that would show regular usage and we can also add some saved receipts which do actually have our names written next to the credit card number - hence USCIS can compare it to the monthly statements if they like.

- we will also send a copy of both of our credit cards.

My question: If you used your shared credit card as evidence, what did you include on that? Is it just our bank, or is it a normal thing that we can't add my name along with my hubby's name to the monthly bills and statements?

Thanks

[lonelywithouthim1 36]

I also had the same problem when I added my husband to my credit cards. They were willing to issue a card to him but unable to include his name on to the statements.

[Dave&Roza 748]

We still have quite a few months before the need to actually send the ROC package, but just realized a little challenge and hoping that somebody more experienced here in VJ could advice us.

My hubby (USC) added me as an authorized user to his credit card close to two years ago and we both use our shared credit card account a lot, hence this will be one of our co-mingling finance evidence. However, looking at our credit card information, in all of the monthly credit card statements for the past few years, there's only my hubby's name mentioned. So we contacted the bank and they said it's not actually possible to add another name to the monthly statements or bills.

So the best available way that we can think of to show shared usage of our credit card, is:

- a letter from the bank stating I've been an authorized user from - to -.

- print our monthly statements of the few year period that is requested for ROC that would show regular usage and we can also add some saved receipts which do actually have our names written next to the credit card number - hence USCIS can compare it to the monthly statements if they like.

- we will also send a copy of both of our credit cards.

My question: If you used your shared credit card as evidence, what did you include on that? Is it just our bank, or is it a normal thing that we can't add my name along with my hubby's name to the monthly bills and statements?

Thanks

We ended up getting a new joint account so she was listed on the statement. It was easy to add her to the bank account itself. I would include copies of both CC showing the same account number and then send in a statement from each quarter. The idea behind co-mingling is that you are willing to risk you fiancial assets with another person. As long as you can show that the other person can run up debit or drain the bank account that is what co-mingling is all about.

What you did was add another authorized user to the account, but kept the primary account holder's information. I bet you did not need to provide a SSN when added did you? You need to specifically tell the bank you want a JOINT account so both parties share in the credit information. Adding an authorized user only impacts the primary account holder's credit history.

Good luck,

Dave

[R and L 5]

lonelywithouthim1: Thanks for the reply, seems like Dave & Roza has the answer!

Dave & Roza: Thanks so much! A bit bummer we noticed this only now but I guess we're just going to send the information we've had from my hubby's credit card (with me being an authorized user) and then apply now for a JOINT account. And then we'll send the information about both accounts. Just wish we would have realized this a year ago, but better now than later!

Edited July 5, 2013 by R and L

[It_takes_2 5]

We sent in copies of both our credit cards showing the same number. As you said only the primary person's name appears on the statement. He has not so great credit and I needed to start a credit history - so I added him as authorized user. We also have a joint checking account.

I think the idea of sending copies of receipts is good. Just send as much as you can from what you have.

Good luck!

[sun flower 3]

There are two ways to open credit cards as a co-borrower (both names in the statement) and as an authorizer user (Only the principal borrower's name). Most part of the banks will allow you to open a joint account as a co-borrower, and of course they will run the credit of both spouses to approve it or not, if you came with a K-1 visa I think is kind of difficult to be a co-borrower because you don't have any credit history, so the husband or wife must be the principal borrower and you the authorizer user. Later when you will built your credit you can step forward and be a co-borrower. In this case the statements have both names.

In my case I had my bank account since 2007, so when I got married in 2011 I had some bank history, so they gave us a joint credit card.