Joint credit card question

[Arinlars 19]

hi all.

We are filling on August but I am starting to gather stuff and organize.

My husband, U.S. citizen, added me two years ago in his credit card, so it's not joined I am just an authorized user.

I saw our statements today and it doesn't mention my name or my credit card number on the statements or his. In the statements it only mentions the places we used the cards.

The questions: 1.when talking about providing bank statements, even thought it does not say our names or show credit cards numbers can we still give them the statements worth of 2 years?

2. Same question about our seperate bank accounts and joint savings account(although names are only shown in savings account)

Thanks.

[thisamericanlife 3]

As with everything immigration-related, it really depends on the other evidence you submit and your individual situation. HOWEVER, I will tell you this: my spouse and I do not have ANY joint credit cards, and only have one joint bank account, which we use to split rent/bills only. The statements for that bank account comes his name only, but I am a joint owner. I simply had the bank's manager write a letter to confirm that I was a joint account holder and supplied 24 months of statements (even though they showed minimal balances, not that much activity). It may have helped that we both transferred money into that account, which showed up on the statement (I.E. JOHN DOE - TRANSFER IN - $100 - DATE OF TRANSACTION.)

[N&S 32]

We sent in photocopies of our credit card which have the same number but our respective names on them as one of the items - maybe you could do something similar?

[CowBoE 429]

hi all.

We are filling on August but I am starting to gather stuff and organize.

My husband, U.S. citizen, added me two years ago in his credit card, so it's not joined I am just an authorized user.

I saw our statements today and it doesn't mention my name or my credit card number on the statements or his. In the statements it only mentions the places we used the cards.

The questions: 1.when talking about providing bank statements, even thought it does not say our names or show credit cards numbers can we still give them the statements worth of 2 years?

2. Same question about our seperate bank accounts and joint savings account(although names are only shown in savings account)

Thanks.

They have no way of knowing that you are an authorized user simply from the statements

if it doesn't include your name.

However, he can log in to the credit card web site, and should be able to print

the page that lists authorized users, and you can attach to complete that portion of the evidence.

Since you are filing in August, you still have time to...

go to the bank and setup joint debit/credit card account and get few months worth of usage on

it and send that in also.

[sum 0]

We also made photocopies of actual cards and sent it with the statements

[Arinlars 19]

We sent in photocopies of our credit card which have the same number but our respective names on them as one of the items - maybe you could do something similar?

Yes we did that , great idea too.

Also, we have wills etc. The thing is I see people getting rfe's dispite the fact the have so much evidence *sigh*

We have a joint savings account .

[Arinlars 19]

They have no way of knowing that you are an authorized user simply from the statements

if it doesn't include your name.

However, he can log in to the credit card web site, and should be able to print

the page that lists authorized users, and you can attach to complete that portion of the evidence.

Since you are filing in August, you still have time to...

go to the bank and setup joint debit/credit card account and get few months worth of usage on

it and send that in also.

Yeah, I think we can do that. But even if I provide the statements I get the feeling we will get rfe for wanting more financial co mingling. Right now we pay everything half and half (bills rent groceries) and I don't know if they can see that in the statements. I mean I will sent mine and his, also bills, but should I highlight this type of things?

Also there is activity in our savings account.

Funny is that some US couples don't even mixEd finances or have joint accounts :S

Thank all for your answers btw Vj is awesome!

[Teddy B 17,252]

We sent in photocopies of our credit card which have the same number but our respective names on them as one of the items - maybe you could do something similar?

They have no way of knowing that you are an authorized user simply from the statements

if it doesn't include your name.

However, he can log in to the credit card web site, and should be able to print

the page that lists authorized users, and you can attach to complete that portion of the evidence.

Since you are filing in August, you still have time to...

go to the bank and setup joint debit/credit card account and get few months worth of usage on

it and send that in also.

The two above quotes are good advice.

If you have been on your husbands credit card(s) as an authorized user for at least 6 months you can call the credit card companies and ask them to now add you as a joint cardholder. They will probably mail you a form to fill out and send back. If approved you will then begin to get statements with both names on them. This is also an easy and quick way to boost your credit rating.

[Arinlars 19]

Awesome ! Thank you I will do that today , or he will .

[Daveykins 17]

I added my wife to my American Express card for this reason as it asked for her SSN # to add her and then it shows her name and the purchases made under her name in addition to mine.

Good luck!

[Arinlars 19]

We have one from chase it only shows the purchases from the place I use it .