Hi Mr. Credit, I am trying to find out which banks, credit unions, or card companies will allow a card holder to add a joint holder without credit check, and then be able to drop first primary and take over account as primary without credit check.
Fred M.
Answer – Fred, the answer is No. The main account can remove the secondary joint account holder. But the second account holder has to reapply for another card, and then do a balance transfer. If the joint account holder gets a credit card from the same company, then he or she is not eligible for any 0% balance transfer deals.
This is how all credit card issuers operate and I’m afraid that there is no way around it.
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