KNOWLEDGE BASE

How do I add a joint owner to my consumer credit card account?

Adding a joint owner to your account is an important decision. Please be aware of the following:

  • You and the potential joint owner may have an inquiry on your consumer credit bureau report.
  • If the potential joint owner is approved, they can't be removed from the credit card account.

If you'd like to move forward, follow these steps:

  1. Call us at the number on the back of your credit card or at 800-285-8585.
  2. Verify the information requested, then our automated phone system provides a summary of your account.
  3. When asked to give a reason for your call, say "representative" to be routed to the next available person.
  4. After you've been verified, tell them you'd like to add a joint owner and we'll send you a form to complete. 

Once you receive the form, follow these steps:

  1. Provide the requested information, then your signature. 
  2. Ask your potential joint owner to review the form and sign it.
  3. Return the completed form to us and we'll review the request.
    • If approved, you'll receive a card in the joint-owner's name, along with a copy of the Cardmember Agreement.
    • If declined, we'll send a letter explaining why.