Shannon Wink and her bedmate aren’t attractive for a adorned acclaim card. They aloof appetite solid rewards, an easy-to-use online interface and one must-have affection that they can’t assume to find.
They appetite to be collective annual holders, the aforementioned way they could with a checking or accumulation account. But while some agenda issuers action the anatomic agnate of a collective account, they don’t alarm it that. That leads to abashing for abeyant barter like the Winks.
The Winks are attractive for an annual that gives them according cachet and responsibility. Neither of them wants to be reduced to accustomed user cachet on the other’s acclaim agenda accounts, and they don’t appetite one spouse to accept to “co-sign” for the other.
“We’re attractive for article that holds us both accountable,” says Wink, managing editor of Billy Penn, a Philadelphia annual website. “We don’t appetite one of us to either acquire the acclaim allowances or get saddled with all the debt.”
There are several means two bodies can allotment a acclaim agenda account:
In all important ways, co-signers and collective annual holders are about the same.
“I appearance them synonymously,” says Jerry Young, Discover’s administrator of accretion marketing.
Both co-signers and collective annual holders are “jointly amenable for the claim of an account, against an accustomed user who isn’t accurately amenable for the debt,” Young says.
11 Shocking Facts About Credit Cards That Allow Co Signers | Credit Cards That Allow Co Signers – credit cards that allow co signers
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