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Card issuers cannot deny credit or offer less favorable terms on the basis of sex or marital status. Typically, card issuers may not even ask your sex on an application form, and the form has to disclose that you do ...
If you apply for a credit card as an individual, the card issuer must consider your individual ability to meet your payment obligations if you use the card. Unless your state’s law gives you an ownership interest in your spouse’s ...
The Equal Credit Opportunity Act does not guarantee that you will get credit. You must still pass the card issuer’s tests of creditworthiness. But the law bars discrimination based on age, sex, marital status, race, color, religion, and national origin ...
No. Credit card issuers may not refuse to open an account because of your marital status. You may obtain your own credit card if warranted by your individual credit profile, income, and assets. Your own credit card means a separate ...
Typically, if payments are not made on time, late fees can be charged and each account holder can be held responsible. Your cardholder agreement will govern what happens in this situation and you should consult it. (You should be able ...
Yes. When you have a joint account each account holder is responsible for the full amount of the balance. The card issuer can seek to collect the amount due from either account holder. You should contact your card issuer to ...
If you are applying for individual credit in your own name, a creditor such as a lender or broker may not deny you credit because of your marital status. If you are creditworthy, you may get your own mortgage or ...
Generally, a creditor such as a lender or broker may request information about your spouse or former spouse only in the following cases: Your spouse or former spouse will be allowed to use the accountYour spouse or former spouse will ...
Generally, a creditor such as a lender or broker must evaluate married and unmarried applicants by the same standards. A lender or broker may not treat married joint applicants differently from unmarried joint applicants based on the existence, absence, or ...
Your cardholder agreement should specify what you should do to close an account or remove an authorized user from your account. (You should be able to find a copy of the agreement on your card issuer’s website, and you can ...
