Something that has been niggling at me for a while is the fact that DW has never had a CC based on her own record. What will happen should I die first? Will our existing CC's have to be turned in and will she then have to apply for her own, starting from scratch. Not something else she really needs to have on her plate when I die.
Shortly before Christmas I went onto Amazon, using her account which is signed up for Amazon Prime, to buy a 2014 calendar (as usual I was late buying gift(s) for her). An invitation to apply for an Amazon CC popped up and I looked into it. No annual fee, points earned can be spent on Amazon, and if she applies now she'll get a $79 credit added to her account.
So without telling her I applied, using her SSN and for income put down her half of the VG joint account dividends and capital gains this year.
The screen soon showed "approved", confirming that the credit freeze in place is only on me, not her, and said the card would arrive shortly, and would have a credit limit of $5,000.
It arrived on Christmas Eve so I stuck it in a Christmas bag and put it under the tree. When she went online to Chase to set up her account, validate the card and set up alerts, she saw that her credit limit had already been increased to $6,500. She also has a credit of ~$70 on her Amazon account. (The gift I bought her had cost $9 which had been deducted from her credit).
Shortly before Christmas I went onto Amazon, using her account which is signed up for Amazon Prime, to buy a 2014 calendar (as usual I was late buying gift(s) for her). An invitation to apply for an Amazon CC popped up and I looked into it. No annual fee, points earned can be spent on Amazon, and if she applies now she'll get a $79 credit added to her account.
So without telling her I applied, using her SSN and for income put down her half of the VG joint account dividends and capital gains this year.
The screen soon showed "approved", confirming that the credit freeze in place is only on me, not her, and said the card would arrive shortly, and would have a credit limit of $5,000.
It arrived on Christmas Eve so I stuck it in a Christmas bag and put it under the tree. When she went online to Chase to set up her account, validate the card and set up alerts, she saw that her credit limit had already been increased to $6,500. She also has a credit of ~$70 on her Amazon account. (The gift I bought her had cost $9 which had been deducted from her credit).