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It depends. If the second person is just an authorized user, meaning.

they are not the responsible party for paying the account. You would only put the primaries social security number, income, and job information on the paperwork. If you put the secondaries private information on the application then it would affect the application.

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Q: The primary card holder has good credit scoring and applies for a credit card but the second card holder has defaults will it affect the application?
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How can one set up a Capital One credit card account?

An application has to be made to Capital One who will assess whether a person is eligible for a credit card account. The decision is based on credit scoring.


How did you get a credit report score of 920?

920 is not a FICO score, which currently caps at 850. However, there are many "scoring models" which offer credit risk scores. FICO is the primary scoring provider and is what most people unwittingly mean when they talk about credit scores. It is possible to get other scoring numbers from other providers, but these numbers will be difficult if not impossible to match to a traditional FICO score to gain perspective without fulling understanding the scale of that other provider. 920 might be high on their scale, or they might have a scale ranging from 900-2000.


Does my salary affect credit score?

It doesn't. Income is completely ignored in credit scoring. Salary does affect your debt-to-income ratio, which may be examined as a part of a loan application. However, it does not influence your credit score in any way, shape or form.


The weighted scoring approach avoid the drawbacks of the NPV approach?

The weighted scoring approach avoid the drawbacks of the NPV approach?


What is the process for applying for credit cards?

To apply for credit cards, one must fill in an application form either in person or online. The organisation will ask questions based on income, outgoings and will determine the credit score of the applicant from which it will offer or decline the application. Credit scoring can affect the interest rates and amount of credit offered, and too many applications together will also affect one's credit score.

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