http://ficoforums.myfico.com/t5/Credit-Cards/What-are-the-PRO-s-CON-s-of-AU-vs-JOINT-CC-s/m-p/89761#M17489 Thu, 01 Nov 2007 15:50:38 GMT newyork21 2007-11-01T15:50:38Z http://ficoforums.myfico.com/t5/Credit-Cards/What-are-the-PRO-s-CON-s-of-AU-vs-JOINT-CC-s/m-p/89761#M17489 Thu, 01 Nov 2007 15:50:38 GMT http://ficoforums.myfico.com/t5/Credit-Cards/What-are-the-PRO-s-CON-s-of-AU-vs-JOINT-CC-s/m-p/89761#M17489 newyork21 2007-11-01T15:50:38Z http://ficoforums.myfico.com/t5/Credit-Cards/What-are-the-PRO-s-CON-s-of-AU-vs-JOINT-CC-s/m-p/89764#M17491 <div></div><div>AU - you can use the card but won't get credit for it, so if the primary screws up you won't take a score hit (this comes into force next year).  I have my daughter as an AU so she can use the card in emergencies, and I can easily &quot;transfer&quot; money to her by letting her use it.  May people who have a lot of AU cards but none of their own will suffer when AU status no longer affects score.  They will need to start building their own history</div><div> </div><div>Joint - it is your card, it affects your score, good and bad.  Nearly everything my wife and I have is joint, so we are both establishing better credit every year.  If the co-joint screws up - you take the blame</div><br><br>Message Edited by MidnightVoice on <span class="date_text">11-01-2007</span> <span class="time_text">10:58 AM</span> Thu, 01 Nov 2007 15:58:41 GMT http://ficoforums.myfico.com/t5/Credit-Cards/What-are-the-PRO-s-CON-s-of-AU-vs-JOINT-CC-s/m-p/89764#M17491 MidnightVoice 2007-11-01T15:58:41Z http://ficoforums.myfico.com/t5/Credit-Cards/What-are-the-PRO-s-CON-s-of-AU-vs-JOINT-CC-s/m-p/89768#M17492 <div>Thanks midnightvoice, I understand completely, and am even more stressed that my card is showing up Joint and not AU lol!</div><div> </div><div>I appreciate your response</div> Thu, 01 Nov 2007 16:02:58 GMT http://ficoforums.myfico.com/t5/Credit-Cards/What-are-the-PRO-s-CON-s-of-AU-vs-JOINT-CC-s/m-p/89768#M17492 newyork21 2007-11-01T16:02:58Z