credit card question for ROC

[flora01 37]

Hi VJs,I have a question.

I have joint credit card where my husband is authorised user,i am gonna include copies of both cards with letter stating he is authorised user.is not used(although it is not used much)

I have credit card which was opened by the help of husband's credit card and joint bank account,but its not joint credit card as that bank does not give joint credit cards.

We have separate debit cards with joint bank account which both of us use a lot.

My question is-

1.should i include copy of statement of my credit card(because statement shows home bills paid by me using that credit card)?

2.If i include statement of my credit card ,do i need to include statement of his credit card as well(i dont see any harm but confused about the purpose its gonna serve,means just to avoid extra useless papers to be sent)

2,should i include copies of both debit cards.(i am conused about the purpose of copy of debit card in ROC because in bank statement debit card number does not show,it just states debit card used,nobody can find out which one)

I am gonna include bank statements every month for entire period.

Any suggestions will be highly appreciated.

[flora01 37]

Hey guys,I know these questions are complex to answer but i really confused about it right now...please provide some suggestions

[Daveykins 17]

1. You need to show co-mingling of assets, so showing the credit card statement just in your name isn't useful.

2. Include pictures of the joint cards and statements. With American Express cards, it shows which account the charge was made under which is a big plus as well.

3. If you're sending joint bank account statements then there's no need to include the card copies themselves.

As I said, co-mingling of assets is key. The more, the merrier. Insurance statements (medical, dental, vision, life) that show you as the dependant/beneficiary and him as the policy holder is key.

Also, trip plans/statements can't hurt either. Hope this helps.

The ROC guide on VJ lists all of what I mentioned and then some that I'm sure I've forgotten.

Hi VJs,I have a question.

I have joint credit card where my husband is authorised user,i am gonna include copies of both cards with letter stating he is authorised user.is not used(although it is not used much)

I have credit card which was opened by the help of husband's credit card and joint bank account,but its not joint credit card as that bank does not give joint credit cards.

We have separate debit cards with joint bank account which both of us use a lot.

My question is-

1.should i include copy of statement of my credit card(because statement shows home bills paid by me using that credit card)?

2.If i include statement of my credit card ,do i need to include statement of his credit card as well(i dont see any harm but confused about the purpose its gonna serve,means just to avoid extra useless papers to be sent)

2,should i include copies of both debit cards.(i am conused about the purpose of copy of debit card in ROC because in bank statement debit card number does not show,it just states debit card used,nobody can find out which one)

I am gonna include bank statements every month for entire period.

Any suggestions will be highly appreciated.

[flora01 37]

Thanks Daveykins,I have included joint account and isurance docs.

Just was confused about credit cards,because sending credit card statement proves comingling of finances,like who is paying what, no matter even if it is not joint credit card.Also credit card is strong address proof.

Also an explanation can be sent to state that we tried for joint credit card but bank didnt give,and credit was not much strong to try for multiple credit cards.

I am still thinking should i do it or not,hopefully will be able to reach the decision before sending day .

[Teddy B 17,252]

Thanks Daveykins,I have included joint account and isurance docs.

Just was confused about credit cards,because sending credit card statement proves comingling of finances,like who is paying what, no matter even if it is not joint credit card.Also credit card is strong address proof.

Also an explanation can be sent to state that we tried for joint credit card but bank didnt give,and credit was not much strong to try for multiple credit cards.

I am still thinking should i do it or not,hopefully will be able to reach the decision before sending day .

Sending a credit card statement in just your name or your husbands name really doesn't show co-mingling of finances. You want to focus on anything you have jointly as your primary evidence. You want to send joint tax returns, credit cards, bank accounts, utility bills, health insurance, car insurance, apartment lease, mortgage statements, etc.

Edited February 14, 2014 by Teddy B

[flora01 37]

Thanks Teddy B for input.

As i already said ,i am gonna send rest of things..but confused about credit card,as it really shows that we both paying bills by using it,although its not joint.

That comes under comingling i guess.

As we dont have joint credit card,we could get rfe for it later on,thats why i am thinking of sending it right now.

I never knew that joint credit card ever existed,but now most banks have stopped giving joint credit card,they make other person authorised user.