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Are credit card companies or banks required to keep on file the original credit application?
Wiki User
∙ 8y ago
addendum to question: want to know same thing because mbna is insisting my ex boyfriend is a co-signer and i know for sure he was an additional card holder. my bad debt is screwing up his credit and i went through official channels, filed required paperwork and can't get his name released from the debt. I asked for proof that he was a co-signer and they said their records don't go back that far. Then, I win, right?
Think about this for a minute. If he was just an additional card holder then if my company which is in the top "500" goes broke [they gave me the card I didn't want it]then I will have to pay their bill!!! I don't think so. Have an attorney write them a letter his name will disappear before the ink is dry.
There is a difference in additional card holder and an authorized user when it pertains to personal accounts. If in the original agreement that was made it notes that an additional card holder will be designated a joint account holder, the creditor can report account activity on the person's credit report and hold said person responsible for debt repayment. Authorized user's are not responsible for the debt, but some creditors will still take (and can legally take) said person to court to try to recover money owed.
Wiki User
∙ 8y ago
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Can you get a copy of the original application you filled out for a credit card?
Yes, contact the creditor.
Which information is least likely to be required on a credit card application?
Family background
Do credit card companies give a credit card to everybody?
Credit card companies have different requirements and qualifications. If you don't have enough proof that you can pay any loan that you will make through your credit card, your application will not be granted.
Where can one receive a 0 credit card application?
There are a number of companies that allow one to receive a 0% credit card application. One can get them from 'Bankrate', 'Tesco Bank', 'Santander' and 'Halifax'.
How do you get a credit card with no credit history?
There are available credit card companies that offer a chance for people to have credit cards even though they don't have a credit card history. Even people who have a bad credit card history can still be a candidate for the application. Though it will be harder for one to get his/her application granted.
What information will be required for an application for business credit cards?
The information that will be required for an application for business credit cards is type of business you do and your income.
Do credit card companies keep record of your signed credit card application?
Yes they do.
Can you get a copy of the original application you filled out for a credit card?
Yes, contact the creditor.
Which information is least likely to be required on a credit card application?
Family background
Do credit card companies give a credit card to everybody?
Credit card companies have different requirements and qualifications. If you don't have enough proof that you can pay any loan that you will make through your credit card, your application will not be granted.
What company offers an online credit application?
There are many companies that offer an online credit application. www.creditcards.com is a website that allows you to apply for a Visa card, Mastercard, or an American Express!
Where can one receive a 0 credit card application?
There are a number of companies that allow one to receive a 0% credit card application. One can get them from 'Bankrate', 'Tesco Bank', 'Santander' and 'Halifax'.
How do you get a credit card with no credit history?
There are available credit card companies that offer a chance for people to have credit cards even though they don't have a credit card history. Even people who have a bad credit card history can still be a candidate for the application. Though it will be harder for one to get his/her application granted.
Is it required for insurance to check your credit?
Some companies check for credit and others do not. The larger companies like Allstate and Nationwide check. Small ones like AlfaVision do not.
Can you pay your debt to the original company if the debt has been passed to a credit company?
No because the original company has 'sold' the debt to the credit company or in other words the credit company has bought the debt account from the original company for less than what you owe. That is why credit companies keep chasing you to pay them.
How can someone apply for credit cards?
You can go to any companies website and fill an application online for a instant decision.
How can Chase credit cards be obtained online?
Chase credit cards can be obtained online at the Chase website and one can get a credit card when one fills in the information required on the credit card application form.
