Previously on Mrs. Micah:
- I worry when my social security number won’t work for a credit check.
- I discover that I have no credit history whatsoever.
- I apply for an Amex card in hopes of starting a credit history.
- I am denied a card from Amex who doesn’t recognize any credit history.
As I’ve said before, I don’t really want a credit card. What I want is some kind of credit history. And this seems like one of the easiest ways of doing it.
So we went another route and I got added as a joint full card owner on Micah’s card. He has a good history with them. And since he hasn’t spent on it in a long long time, I bet they’re hoping that I’ll start spending on it. I was going to say that they’re wrong…but they’re actually right. For a few months, we’re going to use it to pay the cell bill and pay it off every time.
My new card arrived in the mail today and it made me happy! Success! It’s a positive step in my plan.
Then I’m going to apply for another card in a couple months…see what happens.
While being on Micah’s card could improve my credit history through the age (since it now thinks I’ve had the card since 2002), I don’t want my credit to be permanently tied to his…among other things, his credit history reflects all his debt. So I’ll get removed from that account once my own card goes through and I’ve had it for a month or two.
Then we’ll use my credit card for the cell bill, since Micah already has plenty of history but I need some.
The end goal is to get my own credit card, use it for a regular payment and that only, and build my own credit history.