Just applied for a joint credit card with my wife from the bank I’ve done business with for over 50 years! I already had a credit card in my name with her as an authorized user. She wanted it a joint account so that she could view it online without pretending to be me. OK with me, but bank cannot switch an account from individual to joint, even if we both requested the change in person. So we had to reapply, and did, in person.
Adding a WTF? (or several WTF?s) Even though we applied in person and the bank manager knew each of us, we still had to call later to verify our identity. And we had to call them, rather than answer a call, because they called and left a message on our land line. That’s because the land line number was prefilled onto the credit card application, without ever asking us what phone to use for the application, and the land line was already in the bank’s info for our account. And remained with the application, even though during the credit interview we changed the phone number for the bank to use to contact us.
So I called. Just had to answer some stupid multiple choice questions, basically like with a credit report request. (But before I could even speak to a human on that route, I had to provide my birthdate, zip code, and SSN) Five questions, as I recall, four of which were “None apply”. (Things like about a mortgage I requested in 2021, and there was no such mortgage - I had encountered such questions before, and they did upfront say perhaps none would apply.) Fifth was “which of these is the zodiac sign for you birthday?” WTF? I had provided the birthday already, so in this specific case the question was not a check on my birthday. I pointed that out, and interviewer said “Yes, it’s silly, but Experian specifies the questions we must ask.”
Experian? For additional WTF? complications (these Experian’s fault, not the bank’s), we had already established that the bank would be using Transunion, not Experian. Fortunately, I passed the zodiac sign test.
Now the important WTF? issue. Each of us received a letter from the bank yesterday, saying “Your credit score is not available from TransUnion, which is a consumer reporting agency, because they may not have enough information about your credit history to calculate a score.”
WTF? They have years of credit information on us, as do the other agencies. I just ordered (free, once a year) my credit report from TransUnion. Looks OK to me. Even if there were something wrong, they could certainly calculate a score, even if the value had some error in the result.
I do know I have a score, a very good score, from Experian.
[And bonus WTF? We were quite concerned about the letters, and still are, but later the same day we received the snail mail we received e-mail confirmation that the new card had been approved, though the credit limit is ridiculously low. Maybe because they couldn’t get a credit score.]