I searched but couldn't find a suitable thread, so here goes: about six months ago I tried to sign up my wife for credit cards but they wouldn't approve her for anything besides the beginner cards. So I got advice to make her a joint card member with my chase accounts. The advantage of becoming a joint over an AU is that they backdate the credit information of the cards from the beginning of when the cards were open. So I added her to a BA card with an 8000 CL and a united card with a 5k CL. Lo and behold she started to get approved for her own cards! My first hiccup was that when I tried opening anew card with chase, I was declined and when I called recon, and offered to transfer some credit from my BA the computer flagged it because I had A joint. So I figured no big deal, I'll fill out the form requesting to take my wife off my cards and I faxed it in knowing I still had 30 days to call back recon to get the card approved. I was in for a little surprise however, they declined my requests on both the BA and the united due to too many requests for credit! To add insult to injury, they did a hard pull as well. I tried calling recon but they no matter how many times I HUCAed they wouldn't budge. I basically gave up. And now that I had my annual fees coming up for both cards I figured I would close the united and transfer the credit line to the BAcard. Randomly my wife got a letter from chase saying that she could fill out a form specifically for the BAcard requesting to be removed as a joint card member. When I called chase they assured me that It was guaranteed to be approved without a credit pull, but that it was only applicable to the BA card and not the united. My question Is as follows: I would like to keep the 5k that I had with united and close the card and transfer it to the BA. Do you guys think that now that there will be a 13k CL on the BA they won't approve my wife's request.