If a borrower has no credit score or history, banks may consider him/her as a higher risk borrower since they have no past data to evaluate their creditworthiness.
Let us suppose the joint account is managed responsibly, wherein timely payments are made. It would have a positive impact on the CIBIL scores of all account holders.
It s vital to remember that while paying off your credit card balance in full can positively impact your credit score, other factors also play their role such as the length of your credit history, types of credit accounts, and recent credit inquiries.