Joining Fee -
One time joining fee imposed on cardholders for accepting the card.
Joint and Several Guarantee - Under a joint and several
guarantee, upon the death of one of the guarantors, the estate of
the deceased guarantor will remain liable under the guarantee
together with the other guarantors.
Joint Guarantee - Under a joint guarantee, upon the death of
one of the guarantors, the obligations under the guarantee passes to
the surviving guarantors.