My card with citi is 40 years old , maybe things have changed in 40 years? --- I even tried to cancel card by myself , could not do without other person agreeing -- and 2 show how simple and easy it was back in 1970 -- joint holder does not have a social or even lives in the states --- I assume today , can not get card without s.s.# and states address --I guess in the future will need to be finger printed to get c.c. --PROGRESS!!!