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Hydey

Credit card... joint and authorized user.

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Hi VJers!

I am going through the AOS process, i currently am awaiting my interview in February, i have my EAD, SSN and am working 2 part-time jobs. I am an authorized user on my Wife's credit card, but how do i go about becoming a joint holder? As in both being responsible for the payments? Can i do that now that i have a SSN?

And with this being done, does that mean that the credit rating will go onto my name to when we pay everything off each month above the minimum payment?

Thanks,

Hydey!


"Love Will Find A Way <3"

05/29/2008 --- Entry into the US on Visa Waiver to visit my girlfriend for a summer holiday and to help take care of her sick father where needed.

06/20/2008 -- After the sad passing of my girlfriend's father, we decided to get married and stay together

08/08/2008 --- We get married, lovely ceremony and dinner with all of Sarah's family present :-)

08/25/2008 --- AOS package sent to Chicago via Fedex overnight priority mail. Fingers crossed now!

08/26/2008 -- AOS Package received in Chicago, signed for by A.Smith (1 day before my VWP expires!)

09/02/2008 -- Checks cashed!!

09/03/2008 -- NOA1 received for I-485, I-130 and I-765.

09/05/2008 -- Case is shown online as pending!!

09/08/2008 -- Biometrics appointment letter received for September 23rd!! (For both I-485 and I-765)

09/12/2008 -- Biometrics walk-in completed, 11 days before the appointment! In Hackensack NJ.

09/20/2008 -- RFE for I-485 received. It was dated September 17.

09/25/2008 -- RFE response evidence sent out to Lee's Summit by USPS, certified mail.

10/02/2008 -- RFE response evidence received and case processing resumed!

11/04/2008 -- EAD CARD PRODUCTION ORDERED! Thank you Lord.

11/10/2008 -- EAD card received in the mail! wOOt wOOt!!!!

11/12/2008 -- SSN ordered from Hackensack, 2-4 weeks in mail!

11/28/2008 -- SSN Received in the mail, wOOt!!!!!!!!

12/7/2008 -- INTERVIEW LETTER RECEIVED!!! It's scheduled February 19, 2009 at 8:30am in Newark. *nerves*

2/19/2009 -- Interview 8:30am - Green Card verbally approved

2/23/2009 -- Welcome letter received! followed by I-130 approval notice!

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Filed: K-1 Visa Country: Chile
Timeline

All I know if it helps you is that you have to build your own credit. That will be once you apply for a checking account having proof of a stable job and get direct deposit. That's how I did it, go to a bank near you and ask for the requirements to open a checking account.

What I also did is bought a new car and my father was the co-signer but the monthly payments came under my name and that also helped build my credit.

Good luck!


Our Timeline:

11/1999 - We met in Ecuador

02/05/00 - Relationship started

09/08/06 - Engaged & Pregnant!

03/13/08 - I filed for Citizenship

07/22/08 - Became US Citizen

08/02/08 - I-129F sent

08/13/08 - Case received by VSC

08/16/08 - NOA1

08/18/08 - Touched

12/18/08 - Touched again exactly 4 mos. after 1st touch!

12/18/08 - Noa2 @ 3PM-Gracias Dios Mio!

12/24/08 - NVC sent pckg. 3 to Embassy

01/02/09 - Pckg 3 rcvd. by Embassy

01/09/09 - Pckg 3 from Embassy received by beneficiary

02/09/09 - Medical exam

02/16/09 - Sent back checklist and docs required by embassy.

03/13/09 - We will fly to see Daddy Gary

03/16/09 - 1 PM Interview (Pray God he gets visa)

03/16/09 - 5PM INTERVIEW PASSED WOOHOO. Thank God.

03/25/09 - Visa on hand! he went to DHL office after phone call received.

04/18/09 - My Cuchi came, (NYC)a wonderful unbelievable moment!:)

04/20/09 - We applied for marriage licence. (Township Municipal Bldg Health Dept.)

04/23/09 - Licence on hand

04/29/09 - Applied for Social Security (He was in system!)

04/30/09 - Wedding day!!! Yeeebaa

05/07/09 - SS card in mail. "valid for work only with DHS authorization"

05/13/09 - Sent AOS paperwork.

06/16/09 - Biometrics Apptmt.

06/25/09 - EAD Card in mail!

06/26/09 - Letter saying case transfered to Cali.

08/08/09 - Residence Card in Mail! Yuuupiiiiiii.

THE END FOR 2 MORE YEARS.

I don´t need patience if I have love. Ah I que Viva mi Guayaquil Carajo!

-Cuchita-

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Filed: AOS (pnd) Country: South Africa
Timeline
Hi VJers!

I am going through the AOS process, i currently am awaiting my interview in February, i have my EAD, SSN and am working 2 part-time jobs. I am an authorized user on my Wife's credit card, but how do i go about becoming a joint holder? As in both being responsible for the payments? Can i do that now that i have a SSN?

And with this being done, does that mean that the credit rating will go onto my name to when we pay everything off each month above the minimum payment?

Thanks,

Hydey!

Depends on the credit card company. They would most likely be happy to have you as a responsible person for the account, but not sure if they want to report credit for two people on one card.

Just get your own card, Capital One is the easiest company (at least for me) to get a card from, and make sure you pay the balance off every single month.

Or look up secured credit cards.


03/01/2007 - POE - JFK (L-1 Visa)

01/15/2008 - Proposed

03/15/2008 - Married

09/02/2008 - Sent AOS Package (I-130, I-485, I-693)

09/03/2008 - Received - Signed by SMITH

09/04/2008 - Checks deposited

09/10/2008 - Checks cleared ($1010 + $355)

09/12/2008 - 2 NOA's received (I-130, I-485) - Dated 09/08/08

09/16/2008 - Received notice for biometrics appointment on 09/30/2008

09/20/2008 - Biometrics done - Walk in (Orlando) Took 10 minutes

09/22/2008 - I-485 viewable online (pending, of course)

09/30/2008 - Biometrics Appointment (2pm)

12/30/2008 - Received Interview Letter

02/25/2008 - Interview

03/06/2008 - Welcome Letter received (the website will clearly never send me updates!)

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Filed: Citizen (apr) Country: Colombia
Timeline

Definitely start your own separate credit. I also added my husband to my cards, not only as an authorized user and it didn't do anything for him. After applying on his own with different companies, the only one who was willing to give him a credit card was Capital One with no money down.

Diana


CR-1

02/05/07 - I-130 sent to NSC

05/03/07 - NOA2

05/10/07 - NVC receives petition, case # assigned

08/08/07 - Case Complete

09/27/07 - Interview, visa granted

10/02/07 - POE

11/16/07 - Received green card and Welcome to America letter in the mail

Removing Conditions

07/06/09 - I-751 sent to CSC

08/14/09 - Biometrics

09/27/09 - Approved

10/01/09 - Received 10 year green card

U.S. Citizenship

03/30/11 - N-400 sent via Priority Mail w/ delivery confirmation

05/12/11 - Biometrics

07/20/11 - Interview - passed

07/20/11 - Oath ceremony - same day as interview

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I couldn't get a card at capital one based on me now having a credit history! What can i do?


"Love Will Find A Way <3"

05/29/2008 --- Entry into the US on Visa Waiver to visit my girlfriend for a summer holiday and to help take care of her sick father where needed.

06/20/2008 -- After the sad passing of my girlfriend's father, we decided to get married and stay together

08/08/2008 --- We get married, lovely ceremony and dinner with all of Sarah's family present :-)

08/25/2008 --- AOS package sent to Chicago via Fedex overnight priority mail. Fingers crossed now!

08/26/2008 -- AOS Package received in Chicago, signed for by A.Smith (1 day before my VWP expires!)

09/02/2008 -- Checks cashed!!

09/03/2008 -- NOA1 received for I-485, I-130 and I-765.

09/05/2008 -- Case is shown online as pending!!

09/08/2008 -- Biometrics appointment letter received for September 23rd!! (For both I-485 and I-765)

09/12/2008 -- Biometrics walk-in completed, 11 days before the appointment! In Hackensack NJ.

09/20/2008 -- RFE for I-485 received. It was dated September 17.

09/25/2008 -- RFE response evidence sent out to Lee's Summit by USPS, certified mail.

10/02/2008 -- RFE response evidence received and case processing resumed!

11/04/2008 -- EAD CARD PRODUCTION ORDERED! Thank you Lord.

11/10/2008 -- EAD card received in the mail! wOOt wOOt!!!!

11/12/2008 -- SSN ordered from Hackensack, 2-4 weeks in mail!

11/28/2008 -- SSN Received in the mail, wOOt!!!!!!!!

12/7/2008 -- INTERVIEW LETTER RECEIVED!!! It's scheduled February 19, 2009 at 8:30am in Newark. *nerves*

2/19/2009 -- Interview 8:30am - Green Card verbally approved

2/23/2009 -- Welcome letter received! followed by I-130 approval notice!

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*BUMP*


"Love Will Find A Way <3"

05/29/2008 --- Entry into the US on Visa Waiver to visit my girlfriend for a summer holiday and to help take care of her sick father where needed.

06/20/2008 -- After the sad passing of my girlfriend's father, we decided to get married and stay together

08/08/2008 --- We get married, lovely ceremony and dinner with all of Sarah's family present :-)

08/25/2008 --- AOS package sent to Chicago via Fedex overnight priority mail. Fingers crossed now!

08/26/2008 -- AOS Package received in Chicago, signed for by A.Smith (1 day before my VWP expires!)

09/02/2008 -- Checks cashed!!

09/03/2008 -- NOA1 received for I-485, I-130 and I-765.

09/05/2008 -- Case is shown online as pending!!

09/08/2008 -- Biometrics appointment letter received for September 23rd!! (For both I-485 and I-765)

09/12/2008 -- Biometrics walk-in completed, 11 days before the appointment! In Hackensack NJ.

09/20/2008 -- RFE for I-485 received. It was dated September 17.

09/25/2008 -- RFE response evidence sent out to Lee's Summit by USPS, certified mail.

10/02/2008 -- RFE response evidence received and case processing resumed!

11/04/2008 -- EAD CARD PRODUCTION ORDERED! Thank you Lord.

11/10/2008 -- EAD card received in the mail! wOOt wOOt!!!!

11/12/2008 -- SSN ordered from Hackensack, 2-4 weeks in mail!

11/28/2008 -- SSN Received in the mail, wOOt!!!!!!!!

12/7/2008 -- INTERVIEW LETTER RECEIVED!!! It's scheduled February 19, 2009 at 8:30am in Newark. *nerves*

2/19/2009 -- Interview 8:30am - Green Card verbally approved

2/23/2009 -- Welcome letter received! followed by I-130 approval notice!

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Filed: AOS (pnd) Country: South Africa
Timeline
*BUMP*

Did you look up secured credit cards before bumping before the hour was out?


03/01/2007 - POE - JFK (L-1 Visa)

01/15/2008 - Proposed

03/15/2008 - Married

09/02/2008 - Sent AOS Package (I-130, I-485, I-693)

09/03/2008 - Received - Signed by SMITH

09/04/2008 - Checks deposited

09/10/2008 - Checks cleared ($1010 + $355)

09/12/2008 - 2 NOA's received (I-130, I-485) - Dated 09/08/08

09/16/2008 - Received notice for biometrics appointment on 09/30/2008

09/20/2008 - Biometrics done - Walk in (Orlando) Took 10 minutes

09/22/2008 - I-485 viewable online (pending, of course)

09/30/2008 - Biometrics Appointment (2pm)

12/30/2008 - Received Interview Letter

02/25/2008 - Interview

03/06/2008 - Welcome Letter received (the website will clearly never send me updates!)

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Filed: Citizen (apr) Country: Colombia
Timeline
I couldn't get a card at capital one based on me now having a credit history! What can i do?

Oh that's probably because you applied for the wrong card, they actually have a special cards for people with no credit or bad credit who want to establish credit in the US. It's under the Young Adults Credit Cards and they're almost a sure shot at getting one.

Diana

Edited by Mononoke28

CR-1

02/05/07 - I-130 sent to NSC

05/03/07 - NOA2

05/10/07 - NVC receives petition, case # assigned

08/08/07 - Case Complete

09/27/07 - Interview, visa granted

10/02/07 - POE

11/16/07 - Received green card and Welcome to America letter in the mail

Removing Conditions

07/06/09 - I-751 sent to CSC

08/14/09 - Biometrics

09/27/09 - Approved

10/01/09 - Received 10 year green card

U.S. Citizenship

03/30/11 - N-400 sent via Priority Mail w/ delivery confirmation

05/12/11 - Biometrics

07/20/11 - Interview - passed

07/20/11 - Oath ceremony - same day as interview

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Filed: Citizen (apr) Country: Morocco
Timeline

My husband couldn't get a credit card (although, we did not try a secure card) when he first got here. Then I added him on my credit cards as a joint card holder. Now his credit history looks longer than it really should. The company didn't make any kind of notes, so it looks like he's had the card as long as I have. I think that really helped him out, and then he was able to easily get a card in his own name - without having to tie up any money on a secured card. Of course, this will only work if the USC has good credit - if it's bad, it will give the SO the same bad credit rating. Also, of course, it's important to be careful about how you use the cards and pay them off (and check your credit report at least annually) to make sure everything is good. If your SO doesn't know much about credit, make sure to tell him or her. I know some of this is obvious, but... it can't hurt to mention it.

Best of luck!


met online May 2006

visited him in Morocco July 2006

K-1 petition sent late September 2006 after second visit

December 2006 - third trip - went for his visa interview (stood outside all day)

visa approved! arrived here together right before Christmas 2006

married January 2007

AOS paperwork sent February 2007

RFE (yipee)

another RFE (yikes)

AOS approval July 2007

sent Removal of Conditions paperwork 01 May 2009

received I-751 NOA 14 May 2009

received ASC appt. notice 28 May 2009

biometrics appt. 12 June 2009

I-751 approval date 25 Sept 2009 (no updates on the system - still says 'received'/"initial review")

19 Oct 2009 - got text message "card production ordered"

24 Oct 2009 - actual card in the mail box!

sent his N-400 - 14 May 2010

check cashed 27 May 2010

NOA received 29 May 2010 (dated 24 May)

Biometrics Appointment Letter received 17 June 2010

Biometrics scheduled for 08 July 2010; walk-in successfully done in Philadelphia 07 July 2010

02 Oct 2010 - FINALLY got email saying the case was being transferred to the local office. Hoping to get his interview letter soon...

05 Oct 2010 - received interview letter!!!!

08 November 2010 - scheduled for N-400 interview

- went together for interview; file isn't there - need to wait to be rescheduled

Jan 2011 - went for Infopass

25 Feb 2011 - interview

19 April 2011 - Infopass

8 July 2011 - HE'S FINALLY A CITIZEN - WOO HOOOOOO!!!!!!!!!!!!!!!

30 July 2011 - citizenship party

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Filed: Citizen (apr) Country: Ethiopia
Timeline

Being an authorized user is a great start. Wait until you have had a job for a few months before applying for your own card. This allows the credit bureaus to see that you have employment.

When you are added to your wife's account as a joint account holder, do so selective. If she doesn't have good credit don't do it. If her credit is good, be selective. I added my hubby to the card I've have open the longest (so he would "inherit a long history) and with the lowest balance (so that he would have a low debt/income ratio). He got his own card 5-6 months after being in the US. He got a card through WaMu, it allows you to track your credit score monthly for free and does not count as a hard inquiry on your credit report.

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Filed: AOS (apr) Country: Philippines
Timeline
I couldn't get a card at capital one based on me now having a credit history! What can i do?

Try HSBC. They are usually good about accepting those with little or no credit history and even not so good history.

Link is www.householdbank.com


qip3dmkzd14e.png

01/05/12 - Mailed I-751, Petition to Remove Conditions.

01/09/12 - Petiton arrived us VSC.

11/15/12 - Wife Received ten year PR Card.

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Hydey, I couldnt ever get any of my credit card companies to turn my accounts into joint accounts. However I added my wife to every credit, bank, and savings account I had. At the interview all the officer wanted was our most recent bank account statement showing both our names and he took my most recent Chase credit card statement. On my Chase statement is breaks down the transactions per user. So my wifes transactions were showed seperate than mine. I offered him more and he said that was all he needed to see.

Obviously each officer is different and may want different things, but he had no issues with my wife just being an authorized user and it not being a joint account.


AOS

May 13 2008 (Day 1) - I-130/I485/I864/I765 Sent Via USPS for my new wife and step-daughter

May 23 2008 (Day 11) - Checks Cashed!

May 24 2008 (Day 12) - Received NOAs for I-130s/I-485s/I-765

May 27 2008 (Day 15) - Received Biometrics Appointment for June 12th @ 1PM at Tampa Office

June 12 2008 (Day 31) - Biometrics conducted in Tampa USCIS office also I-485 and I-765 TOUCHED!

June 18 2008 (Day 37) - I-130s and I-765 TOUCHED

June 24 2008 (Day 42) - That touch was actually an RFE letter being mailed. RFE for I-864 Evidence

July 16 2008 (Day 64) - Finally mailed back RFE letter with requested evidence

July 18 2008 (Day 66) - RFE Evidence delivered! Signed for by M. Miles

July 22 2008 (Day 70) - I-1485s TOUCHED and Received E-mail "Case Processing Resumed"

August 14 2008 (Day 93) - EAD Card Production Ordered!

August 15 2008 (Day 94) - I-765 TOUCHED

August 19 2008 (Day 98) - I-765 "EAD Approval Notice Mailed"

August 20 2008 (Day 99) - EAD CARD ARRIVED! - Applied for Social Security Number!

August 26 2008 (Day 105) - Received SSN - Took tests at DMV for License - Told license will arrive within 30 days by Mail

September 22 2008 (Day 132) - Received Driver License in mail - They sure took their time mailing that out!

October 11 2008 (Day 151) - Received Interview Letter for November 19th @ 7:00 AM

November 6 2008 (Day 177) - I-485s and I-130s TOUCHED

November 19 2008 (Day 190) - Had interview, APPROVED! Interview took less than 10 minutes

December 5 2008 (Day 206) - GREEN CARDS ARRIVE!!

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You could also try getting a small loan from a local loan company. We have several in the town where we live and they all report to the credit bureaus. My wife has been using them to rebuild her credit. Granted, they don't have the same impact on your credit score as a credit card, but it helps nonetheless.

Edited by gazarama

My AOS Timeline

  • 09/27/2008 - I-485/I-765 mailed to Chicago Lockbox
  • 09/30/2008 - Package received
  • 10/02/2008 - NOAs mailed out
  • 10/03/2008 - Check cashed
  • 10/06/2008 - Both applications appear online
  • 10/07/2008 - NOAs received
  • 10/17/2008 - I-765 touched
  • 10/18/2008 - Biometrics Appointment received
  • 10/31/2008 - I-485 touched
  • 11/03/2008 - I-485 touched
  • 11/04/2008 - Biometrics Appointment
  • 11/06/2008 - I-485/I-765 touched
  • 12/09/2008 - EAD Card Production ordered
  • 12/10/2008 - I-765 touched
  • 12/15/2008 - EAD Card Production ordered
  • 12/16/2008 - I-765 touched
  • 12/17/2008 - I-765 Approval Notice sent
  • 12/18/2008 - I-765 touched
  • 12/20/2008 - EAD received
  • 12/23/2008 - Applied for SSN
  • 01/03/2009 - SSN received
  • 01/15/2009 - I-485 touched
  • 01/16/2009 - I-485 touched
  • 01/21/2009 - Start work again after 8 years away
  • 01/26/2009 - I-485 touched
  • 02/02/2009 - Received AOS interview letter (March 17th)
  • 03/17/2009 - AOS Interview - Approved!!!
  • 03/20/2009 - GC Card Production ordered
  • 03/30/2009 - GC Card received in the mail. Good for the next 10 years!
    AOS Complete

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Filed: Citizen (apr) Country: Argentina
Timeline
I couldn't get a card at capital one based on me now having a credit history! What can i do?

Is your wife or a direct relative a member of a credit union?

What we did is: My MIL is a member of a credit union through her work. She was able to add me as a direct family member. Then my husband co signed for my credit card application, and I was able to get an unsecured card with a low APR :)

Saludos,

Caro


***Justin And Caro***
Happily married and enjoying our life together!

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Thanks guys for the replies. As for the interview i am not worried, we have a joint active bank account together which both our work direct deposits go into, and i am an authorized user on her credit card. I was trying to become a joint card holder so that i could inherit some credit history, my Wife has good credit, when we bought her car we were told it was in the range of 650ish.

My plan is to become a joint card holder, and then after the interview and working a couple more months to apply for my own card and keep the balance up to speed to help my credit.

Is this a good bet?


"Love Will Find A Way <3"

05/29/2008 --- Entry into the US on Visa Waiver to visit my girlfriend for a summer holiday and to help take care of her sick father where needed.

06/20/2008 -- After the sad passing of my girlfriend's father, we decided to get married and stay together

08/08/2008 --- We get married, lovely ceremony and dinner with all of Sarah's family present :-)

08/25/2008 --- AOS package sent to Chicago via Fedex overnight priority mail. Fingers crossed now!

08/26/2008 -- AOS Package received in Chicago, signed for by A.Smith (1 day before my VWP expires!)

09/02/2008 -- Checks cashed!!

09/03/2008 -- NOA1 received for I-485, I-130 and I-765.

09/05/2008 -- Case is shown online as pending!!

09/08/2008 -- Biometrics appointment letter received for September 23rd!! (For both I-485 and I-765)

09/12/2008 -- Biometrics walk-in completed, 11 days before the appointment! In Hackensack NJ.

09/20/2008 -- RFE for I-485 received. It was dated September 17.

09/25/2008 -- RFE response evidence sent out to Lee's Summit by USPS, certified mail.

10/02/2008 -- RFE response evidence received and case processing resumed!

11/04/2008 -- EAD CARD PRODUCTION ORDERED! Thank you Lord.

11/10/2008 -- EAD card received in the mail! wOOt wOOt!!!!

11/12/2008 -- SSN ordered from Hackensack, 2-4 weeks in mail!

11/28/2008 -- SSN Received in the mail, wOOt!!!!!!!!

12/7/2008 -- INTERVIEW LETTER RECEIVED!!! It's scheduled February 19, 2009 at 8:30am in Newark. *nerves*

2/19/2009 -- Interview 8:30am - Green Card verbally approved

2/23/2009 -- Welcome letter received! followed by I-130 approval notice!

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