I would like to know it is possible to change from AU to Joint. I recently added my husband (Bad Credit) as the AU to all my credit cards but after I read the post about AU and Joint it seems Joint can build the credit faster than AU.
Re: Possible to change from AU Call the card company. I asked about adding myself to my spouse's cards and MBNA would do an AU over the phone, a joint w/both of us on the phone. I chose AU. First USA will do an AU over the phone but a joint only w/a signature from the new person. Company policies change. Certainly a joint only helps the card company b/c they already qualified someone for the card... joint just gives them one more person to pay them.