Low APR credit card or 0% on purchases?

[davidwalton (Award Winning Hot Coral Analyst)]

Thanks, the PA’s have no credit history at all (no overdraft on either) so that explains the £0 value.

I seem to remember a discussion about Joint Accounts not being reported, I’ll have a search.

EDIT: Found it;

Do Monzo still not report joint accounts to credit reference agencies?

I remember when we opened our joint account at the time, they said they’d be doing this in future as you’d have a financial link with someone. We’ve had our joint account since they were first made available and I still don’t see it showing up on my credit report, only my sole Monzo account. I love Monzo but this, along with the fact that they still only report to TransUnion is a bit disappointing.

So while it isn’t a bad thing that the JA isn’t on our credit reports, that means we should be even more attractive to lenders - with Monzo being the exception. There is something here that isn’t following the usual ‘rules’, ‘guidelines’ or other ‘algorithms’