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Credit Accounts and Its Types

Simply opening an account is not done; instead you need to weigh the advantages and disadvantages before opening one. Basically credit accounts are categorized under two groups, i.e. a joint account and an individual account.

Let us now take a detailed look on both.

What are The Factors That You need to Consider while Applying for Individual and Joint Accounts?

Creditors will allow you to open an individual account based on the following factors:

  • Income
  • Credit history
  • Assets

Creditors will allow you to open a joint account based on the following factors:

  • Financial details
  • Credit history
  • Assets
  • Income

When is it ideal to go in for these accounts?

It is advisable to go in for an individual account when you are eligible to open this account in your name. Additionally, you should also provide a powerful case to the creditor so as to apply for a credit card or loan.

However, if your case is not that powerful, then you may not be able to open an individual account. At this point of time, you along with your family member/friend can open an account jointly as this approach presents a more powerful case in front of the creditor.

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