[bradlys]

You’re both signing up and aren’t one singular entity. She might be the one actually using the app and whatever line of credit but you’re still signing up with the bank. They need a way to do 2FA for you and not just her. If you divorce, how are they going to do 2FA when you’re separated? If it was her phone number then she could imitate you and get more credit or do whatever.

Etc. etc.

Genuinely no idea why you’re not considering this.

[kleiba]

I have genuinely no idea why I need a smartphone to get a line of credit, and that there is no alternative for people who don't have one.

Also, the thought that we as a married couple are not an entity is strange to me, but I guess that's the modern way of thinking, and I am old.

[stetrain]

If it was an SMS verification code, you don't need a smartphone. You need the kind of cell phone that's been around for 20 years.