Type of credit requested under the joint intent rules is raising a few questions. Wondering if anyone would like to agree with how I am interpeting them or disagree
Individual Credit - relying solely on my income and assets: No brainer
Individual Credit - relying on my income or assets as well as income or assets from other sources: I am applying for individual credit, no one else is on the credit with me, but I may be using gifted money? Pledging joint funds? This one confuses staff, but I think I get it.
Joint Credit - We intent to apply for joint credit: More than one party applying for credit, all are obligated to pay back the credit. More than one signer on the credit. Straight forward right?

Thank you in advance!