Changing existing credit account from individual to joint?

My girlfriend and I, to take advantage of 36 months no interest, signed up for a CompUSA credit card to buy our new $1700 Plasma TV. We have only had it for 3 months and have already paid off half of the TV. We got the credit card in my name since I have better credit. However, since she is making payments on the card too, she has expressed interest in making the account a joint account. Now, we went through a similar situation with Target and after having the card for some months they were able to make it a joint account. However, after calling HSBC (AKA CompUSA) and talking to someone who could barely speak english, we were informed that they couldn%26#039;t turn the account into a joint account despite there being a joint account offering at the time of application. If I talk to the right person can ANY company technically turn an individual to a joint or do some companies just not want to change them?

Changing existing credit account from individual to joint?credit score

I don%26#039;t know legal-wise if they have to do that, but you should be able to call them and tell them you want to add your gf as an authorized user.

Changing existing credit account from individual to joint? loan

Yes, you can add someone as a joint cardmember and/or a authorized user. I would call your credit card company and ask again. Adding and authorized user is just a request over the phone (if they allow authorized users on the account, not all credit cards accept authorized users), adding a joint cardmember requires signatures, and the credit card company sends the paperwork to you.

Keep in mind, it is MUCH easier to add someone then to remove them, be it a joint cardmember or a authorized user.

Some credit cards don%26#039;t accept authorized users on the account but I%26#039;ve not heard of a credit card that didn%26#039;t allow adding at least one joint cardmember.

Good luck!|||They already have a contract with you, so they don%26#039;t HAVE to do anything for you except what is in the existing contract. If they want to keep a good customer, they would at least consider it, or give you a reason why they won%26#039;t. Call their customer service line back and if you don%26#039;t get the results you want, ask to speak to a manager for clarification on their policy.