{"id":22513,"date":"2025-12-08T23:08:28","date_gmt":"2025-12-08T23:08:28","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22513"},"modified":"2025-12-08T23:08:30","modified_gmt":"2025-12-08T23:08:30","slug":"which-credit-cards-allow-co-signers","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22513","title":{"rendered":"Which Credit Cards Allow Co-Signers?"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_57d9623600691354c8d2713f15d84506\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Most major credit issuers no longer allow co-signers, although a few issuers allow you to create joint accounts with another person.&#13;<br \/>\n&#13;<br \/>\n&#13;<\/p>\n<\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Becoming a credit card co-signer comes with significant financial risk and should not be taken lightly.&#13;<\/p>\n<\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            There are many alternatives to applying for a credit card with a co-signer, including becoming an authorized user, applying for a joint credit card and taking out a secured line of credit.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>In the past, applying for a credit card with a co-signer \u2014 another person who agrees to share responsibility for charges made on the card \u2014 was a common way to increase your credit card approval odds. However, most major credit issuers have phased out this option, which means you can no longer use a credit card co-signer to <u>build a positive credit history<\/u>.<\/p>\n<p>That said, a few credit cards, including the <span data-capi-name=\"7931\">Apple Card<\/span>*, allow you to create a joint credit account with another person. Joint accounts are just what they sound like: They\u2019re co-owned by both individuals. Unlike co-signed accounts, where the co-signer has no power within the account but is simply the guarantor, joint accounts are co-owned by both individuals.<\/p>\n<p>Here\u2019s what you need to know about co-signers and joint credit cards and other options for people who want to <u>build their credit quickly<\/u>.<\/p>\n<h2 id=\"what\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What credit cards allow a co-signer?\" data-outcome=\"\">What credit cards allow a co-signer?<\/h2>\n<p>The major credit card issuers we contacted no longer allow co-signers. That list includes:\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li>American Express<\/li>\n<li>Bank of America<\/li>\n<li>Capital One<\/li>\n<li>Chase<\/li>\n<li>Citi<\/li>\n<li>Discover<\/li>\n<li>Wells Fargo<\/li>\n<\/ul>\n<p>You\u2019re most likely to find a co-sign option with smaller credit unions or regional banks. However, some banks, like U.S. Bank, allow co-signers for personal loans.<\/p>\n<h2 id=\"before\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What to know before you co-sign a credit card\" data-outcome=\"\">What to know before you co-sign a credit card<\/h2>\n<p>It sounds like a nice thing to do. Just sign your name and a friend or relative will gain access to credit. However, being a co-signer is not that simple. <\/p>\n<h3>1. You are responsible for all charges made on the card<\/h3>\n<p>When you agree to co-sign for a credit card, you\u2019re telling the credit card issuer, \u201cIf anything goes wrong, I\u2019ll pay the balance. All of it. Plus interest and any penalty fees.\u201d<\/p>\n<p>Some can assume that co-signing a credit card is the same as serving as a reference. This isn\u2019t the case. When you co-sign a credit card, you are taking co-ownership of the credit account \u2014 which makes you legally responsible for all charges on the card.<\/p>\n<p>You (the person with good credit) promise to pay the entire bill because the lender doesn\u2019t think the applicant is entirely up to the task. The lender has seen the applicant\u2019s credit report and financial information and has determined that the person does not have the necessary credit to maintain the account on their own.<\/p>\n<h3>2. The extra debt could affect your ability to get new credit<\/h3>\n<p>Are you planning to buy a home or take out a loan for a large purchase? Lenders will look at your debt load before determining your eligibility and interest rate \u2014 including the co-signed account.<\/p>\n<p>\u201cThat account will impact your score no differently than if you were the only person on that account,\u201d says Barry Paperno, a credit scoring expert who has previously worked at FICO and Experian. As far as creditors and potential creditors are concerned, the account is yours.<\/p>\n<p>Every consumer can only handle so much debt. If this card pushes you into the danger zone in the eyes of your creditors, you risk paying higher interest rates on your credit cards and any future loans \u2014 and <u>your next credit card application might even be denied<\/u>.<\/p>\n<h3>3. Your credit score could go down<\/h3>\n<p>Does being a co-signer affect your credit? Yes. It can lower your credit score and it might even cause long-term damage to your credit history.<\/p>\n<p>Why? Two reasons.<\/p>\n<ol class=\"wp-block-list\">\n<li>Nearly all credit-scoring formulas base a percentage of your score on your current balances as compared to your available credit. This is called a credit utilization ratio. The less credit you use (experts recommend under 30%), the better. If your friend or relative uses a significant chunk of the available credit on a co-signed card, it could lower your score even if the account holder makes on-time payments every month.<\/li>\n<li>If the account holder makes late payments or begins missing payments, their actions will also show up on your credit report. Since derogatory marks can remain on your credit report for as long as a decade, co-signing a credit card can be riskier than you realize.<\/li>\n<\/ol>\n<h3>4. The account holder could increase the credit limit without your consent<\/h3>\n<p>The Credit Card Accountability, Responsibility and Disclosure Act, or <u>Credit CARD Act<\/u>, mandates that while the account holder is younger than 21, the co-signer has to give written permission for any credit limit increases, says Chi Chi Wu, senior attorney with the National Consumer Law Center.<\/p>\n<p>However, once the cardholder is past the age of 21, no federal law requires that the co-signer be notified of any credit line increases, she says.<\/p>\n<p>Some people decide to co-sign a credit card when their child goes off to college, believing that they can just write a check for their child\u2019s relatively small card bill if anything goes wrong. But if their child keeps the credit card account open past their 21st birthday and begins increasing the credit limit, the bill could end up being quite a bit more than their parents estimated.<\/p>\n<h3>5. If you want out, you might have to close the credit card<\/h3>\n<p>Do you want to be responsible for your friend or relative\u2019s credit card bill for life? If not, you need an exit strategy.<\/p>\n<p>Often, ending the co-signing arrangement requires closing the card account. Closing a credit card account has a few downsides, and closing a co-signed credit account adds one more wrinkle. Depending on the contract and your state laws, you may need the cardholder\u2019s cooperation. It may not be as simple as telling the card issuer you want out.<\/p>\n<p>Plus, any unpaid debts accumulated while the co-signed account was open are still your responsibility, even after the account is closed. Until they\u2019re paid, they\u2019re your bills, too.<\/p>\n<h2 id=\"alternatives\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Alternatives to finding a co-signer\" data-outcome=\"\">Alternatives to finding a co-signer<\/h2>\n<p>Since most credit issuers no longer allow people to apply for credit cards with co-signers, you\u2019ll need to look for alternative ways to access credit.<\/p>\n<p>If you have bad credit or limited credit history and are unlikely to be eligible for one of the <u>best credit cards<\/u>, here are a few ways to build credit without a co-signer.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-become-an-authorized-user', 'heading-become-an-authorized-user']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-become-an-authorized-user')\" :aria-controls=\"$id('panel-become-an-authorized-user')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Become an authorized user<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-become-an-authorized-user')\" :aria-labelledby=\"$id('heading-become-an-authorized-user')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>One of the best ways to build credit quickly is by becoming an authorized user of another person\u2019s credit card. When you become an authorized user, you receive authorization to make purchases on another person\u2019s credit account. The account owner is responsible for all payments and any debt incurred.<\/p>\n<p>Most credit card issuers report authorized user accounts to the three major credit bureaus (Experian, Equifax and TransUnion). This means that becoming an authorized user is an easy way to piggyback on someone else\u2019s good credit while building your credit score, especially if you\u2019re a student or young person who isn\u2019t old enough to open a credit card.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-apply-for-a-joint-credit-card', 'heading-apply-for-a-joint-credit-card']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-apply-for-a-joint-credit-card')\" :aria-controls=\"$id('panel-apply-for-a-joint-credit-card')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Apply for a joint credit card<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-apply-for-a-joint-credit-card')\" :aria-labelledby=\"$id('heading-apply-for-a-joint-credit-card')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>In some cases, you may be able to apply for a joint credit card. Joint credit cards are exactly what they sound like: a credit card issued jointly to two people (spouses, for example), both of whom have access to using the card, manage the account and are legally responsible for any debt incurred on the card.<\/p>\n<p>All activity on the card is reported in both cardholders\u2019 credit reports, which means that if you both use your joint card responsibly, you could both receive a credit boost.<\/p>\n<p>Likewise, if one or both of the joint account holders handle the account poorly, your credit scores could dip. In that way, joint accounts are as dangerous as co-signed accounts, so consider entering this type of agreement carefully.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-apply-for-a-secured-credit-card', 'heading-apply-for-a-secured-credit-card']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-apply-for-a-secured-credit-card')\" :aria-controls=\"$id('panel-apply-for-a-secured-credit-card')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Apply for a secured credit card<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-apply-for-a-secured-credit-card')\" :aria-labelledby=\"$id('heading-apply-for-a-secured-credit-card')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>If you want to apply for a credit line without becoming an authorized user or looking for a joint credit card, consider applying for a secured credit card. These credit-building cards require a small security deposit that is usually equal to your initial line of credit, allowing you to prove that you can handle credit responsibly.<\/p>\n<p>Once you\u2019ve demonstrated your ability to make on-time payments and manage your line of credit, most credit card issuers will return your security deposit and graduate you to an unsecured credit card.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-consider-credit-cards-for-people-with-limited-credit', 'heading-consider-credit-cards-for-people-with-limited-credit']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-consider-credit-cards-for-people-with-limited-credit')\" :aria-controls=\"$id('panel-consider-credit-cards-for-people-with-limited-credit')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Consider credit cards for people with limited credit<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-consider-credit-cards-for-people-with-limited-credit')\" :aria-labelledby=\"$id('heading-consider-credit-cards-for-people-with-limited-credit')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>Want more options? You might want to look at our lists of the best credit cards for people with bad credit and credit cards for people with no credit history.<\/p>\n<p>Many of these cards are secured credit cards, but these lists also include unsecured cards designed for people with fair credit, such as the <span data-capi-name=\"7956\">Petal 1 Visa\u00ae Credit Card<\/span>*.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h2 data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The bottom line\" data-outcome=\"\">The bottom line<\/h2>\n<p>Even though most major credit card issuers no longer allow credit cards with co-signers, there are still ways to build credit even if you have a low credit score or a limited credit history.<\/p>\n<p>Consider becoming an authorized user, applying for a secured credit card or looking for a card designed to help people build credit. Once you have a line of credit, practice responsible credit habits to establish a positive credit history and build your credit score.<\/p>\n<p class=\"text-sm text-slate\"><em>*The information about the Apple Card and Petal\u00ae 1 Visa\u00ae Credit Card has been collected independently by Bankrate. The card details have not been reviewed or approved by the card issuer.<\/em><\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"BbF0hW0dNg\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up 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1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-no=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-no\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"No\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Down Icon<\/default:title><default:path d=\"M19.26 2.175c.936 0 1.454 0 1.949.247.452.226.818.592 1.044 1.043.247.495.248 1.012.248 1.948v7.678c0 .936 0 1.453-.248 1.948a2.333 2.333 0 0 1-1.044 1.042c-.495.248-1.013.248-1.95.248h-.16c-.937 0-1.454 0-1.95-.248a2.33 2.33 0 0 1-.885-.777c-.637.596-1.79 2.176-3.314 5.155-.183.365-.312.602-.538.828a1.924 1.924 0 0 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4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/credit-cards\/advice\/issuers-allow-cosigners\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Most major credit issuers no longer allow co-signers, although a few issuers allow you to create joint accounts with another person.&#13; &#13; &#13; Becoming a credit card co-signer comes with significant financial risk and should not be taken lightly.&#13; There are many alternatives to applying for a credit card with a co-signer, including<\/p>\n","protected":false},"author":1,"featured_media":22514,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22513","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - 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