My boyfriend put my name on his credit card..do I get my own online account?

Teeners: My boyfriend put my name on his credit card..do I get my own online account?
My boyfriend and I are 19 and i get denied to every credit card i apply for due to “lack of credit history” because I have never had a credit card before. My boyfriend had the same problem until one day he got lucky and got a capitol one credit card. His mom said if he adds me to his card I will get my own card and it will help build my credit also so I can get my own card eventually. So he added me and I got a card in the mail but they have the same exact numbers on them so when I go to his online account, I can’t figure out how to make it so we can see what he used his card for and what I used my card for, its just like we only have one card. I havent used my card yet, if that may be the problem, but I want to be able to see the cards separately. Also, he got an email saying he could get any picture uploaded to his card for free, so we went through our pictures and found one of our dog to put on there..will that be on only his card or both of ours? Because once again, online it looks like we only have one card, so we couldnt choose to put the image on one card, and not the other.Im hoping this will fix once I use my card, but am not sure..thanks for the help!

Answers and Views:

Answer by Steve D
You have one account with two card holders – the question is did your boyfriend add you as an authorized user or a joint account holder. If you are an authorized user, you do not get credit for the way the account is handled and you will still have no credit history (on the other hand, you are not liable for the bill). If you are a joint account holder, you will get co-credit for the payment history but also be liable for anything and everything charged (i.e., if you boyfriend decides to purchase a big screen tv, you break up and he stops paying, they will come after you).

You will not be able to tell just from looking at the bill – all purchases will be listed together. It will be up to you to determine who bought what where.

Answer by StephenWeinstein
Adding a person as an “authorized user” no longer helps that person’s credit. For the past several years, it has been necessary to add the person as a cardholder, not an authorized user, and it seems that he did not know this.

The most important thing that you can do now is to stop applying, immediately. From your question, I can tell that you have already applied too much. You should never apply when you have applied during the previous year. After every application, no matter what happens, you should always wait more than a year before you apply again. If you apply too often, then you will be denied every time that you apply, including times that you would have been approved if you had applied less.

After you stop applying, the next thing that you should do is to deposit money at a bank that offers “secured” credit cards to depositors who have no credit history. Currently, a ‘secured’ credit card is the only type that you are likely to get without a credit history. Do not apply for any credit cards that are not “secured” until you have a credit history.