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bank accounts, joint or single

bank accounts, joint or single

Old Mar 13th 2007, 4:02 pm
  #1  
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Default bank accounts, joint or single

I am living in california with my wife on L1/L2 visas (wife has L1). My wife opened a bank account and got a secured credit card about 6 months ago.

I have got an EAD and am looking for job. I was intending on opening a bank account when I secure a job. Is is better (in terms of credit score) to open up my own account or add my name to my wife's so it becomes a joint account?

Thanks in advance

rk164
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Old Mar 13th 2007, 4:15 pm
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Default Re: bank accounts, joint or single

Originally Posted by rk164 View Post
I am living in california with my wife on L1/L2 visas (wife has L1). My wife opened a bank account and got a secured credit card about 6 months ago.

I have got an EAD and am looking for job. I was intending on opening a bank account when I secure a job. Is is better (in terms of credit score) to open up my own account or add my name to my wife's so it becomes a joint account?

Thanks in advance

rk164
To my knowledge having a joint bank account will make no difference to your credit score.

However if you can get added as an authorised user on the credit card that may help.
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Old Mar 13th 2007, 4:52 pm
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Default Re: bank accounts, joint or single

won't make any difference having your own account or not...

if your wife has had the card for 6 months, she'll have a start to a score, sign up to her card to piggy back off of it...and read the wiki on financial info as it's a good resource.
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Old Mar 13th 2007, 5:07 pm
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Default Re: bank accounts, joint or single

Originally Posted by Bob View Post
won't make any difference having your own account or not...

if your wife has had the card for 6 months, she'll have a start to a score, sign up to her card to piggy back off of it...and read the wiki on financial info as it's a good resource.
bumping up ur credit score - get added onto the credit card of someone in ur family, or best friend lol who has a good track record and u automatically receive the credit card history on ur credit report. Do not even need to use the credit card, rip it up when u receive it. for newbies a great head start on the credit score chart.
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