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The proof is in your credit record. If you've financed a car loan or other purchase, you probably have a record at a credit agency (CRA) (The most common type of CRA is the credit bureau). This credit history shows how responsible you've been in paying your bills and helps the credit card issuer decide how much credit to extend.
In addition, secured citi bank credit card usually carry higher interest rates than traditional non-secured cards. Third, consider asking someone with an established credit history -- perhaps a relative -- to co-sign the account if you don't qualify for credit on your own.
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In the case of a mortgage or home equity loan, a lender is likely to require refinancing to remove a spouse from the obligation. Many credit card issuers charge an annual fee for granting you credit, typically $15 to $55.
