Best timing to get my Spouse CC?
Im currently in the process of fixing my wives credit (Dont need help there) And Once I get her to a respectable score I want her to apply for a Undecured CC from NFCU.
She’s a full time mother so I am the only income in the house, But we have a joint account, so I’d hope they take my income as reliable income when considering her for a CC.
I was thinking of starting her on a Pledge loan to and slapping in a Certificate while im at it, pretty much help building her relationship with this bank while im actively paying off her debt.
⬇️⬇️The big question here is once I fix her credit and she has a clean record and good score, is that enough to confidently apply for a unsecured card or should I try building her relationship with NFCU before that?
And with that being said how much will her relationship with this bank affect her starting limit on a fresh CC vs Just going in with nothing but a Debit card in her name on a Joint Account?
She only has 1 hard inquiry on her credit report I really dont wanna add another hard inquiry just for her to get denied. Advice?