以下是引用lanhua在2007-8-13 10:10:00的发言：
MM注意，不一定算哦

我和你情况类似，F2->F1拿到SSN后申请信用卡。但是所有的信用卡AGENT都说查不到我的信用记录 －－－他们说我没有信用记录。所以申２次被剧２次，连ONLINE申请有BONUS的CHECKING ACCOUNT，需要做HARD INQUIRY的也被剧。

我现在只能歇一阵，先让信用卡公司把我从AUTHORIZED USER转成JOINT ACCOUNT，借我老公的信用记录一段时间看看

以下是引用lanhua在2007-8-14 10:04:00的发言：
yes. CC also have joint account, which requires both SSN. The CC agent will report to credit agents once you get approved. This is the fastest way to earn credit -- borrow from someone else. But once becoming joint account in cc, it lasts for life long. A one-time bad behavior will ruin BOTH credits. So I decide to close that joint account credit card once I am able to apply for my own cards.

"以前在银行开设的账户所进行的shopping纪录" does NOT affect credit history. They never report these to credit agents.