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If you signed the contract as a joint applicant, cosigner, or co-buyer, you have the same access and the same authority as the primary account holder. You can pay, set up AutoPay, view statements, and speak to us about the account.

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Signing in

You received your own copy of the contract document packet after signing, including a welcome letter with the details you need. Sign in the same way as anyone else — see How to sign in.
The security question asks about the primary account holder, not you.When you reach the verification step, you will be asked for the primary account holder’s date of birth, or the last four digits of their Social Security Number. Entering your own will fail.This surprises most co-applicants. It is not an error.
If you do not have the primary account holder’s details and cannot ask them, contact us — we can verify you another way.

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What you can do

The same as the primary account holder. There is no reduced or read-only version of co-applicant access: you are a party to the contract, so you have full authority on the account when you deal with us.

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This is different from an authorized user

A co-applicant signed the contract and is responsible for the debt. An authorized user is someone the account holder later permits to act on the account — a family member handling payments, for example — without being a party to the contract. See Account access and security for adding an authorized user.