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Established Contributor
Posts: 570
Registered: ‎11-10-2012
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AU minimum age

Is there a minimum age to become an authorized user? Not really looking to start credit, just convenience for me.


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (7/26/15): Wally TU 639 | Discover EX 651 | DCU EQ 649
Goals: Last app 7/29/15. Down from 30+ inqs each to TU-3; EX-5; EQ-11. Aiming for ZERO inqs.
Established Contributor
Posts: 803
Registered: ‎05-16-2012
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Re: AU minimum age


Ravensfan2001 wrote:

Is there a minimum age to become an authorized user? Not really looking to start credit, just convenience for me.


I tried to add my little girl as an AU on my Amex account but was told the min age is 15 years old. She is only 11. I am not sure if all banks have the same rule.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Frequent Contributor
Posts: 417
Registered: ‎02-04-2013
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Re: AU minimum age

As far as i know many banks like Chase or Citi don't even ask for the AU's DofB... they oly require you to give the AU's name But there's some exceptions for example: Amex requires an minimum age to add someone as an AU as a consequence they will ask the AUs DofB
Established Contributor
Posts: 570
Registered: ‎11-10-2012
0

Re: AU minimum age

Thanks. Smiley Happy


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (7/26/15): Wally TU 639 | Discover EX 651 | DCU EQ 649
Goals: Last app 7/29/15. Down from 30+ inqs each to TU-3; EX-5; EQ-11. Aiming for ZERO inqs.
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
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Re: AU minimum age


calihlove75 wrote:

Ravensfan2001 wrote:

Is there a minimum age to become an authorized user? Not really looking to start credit, just convenience for me.


I tried to add my little girl as an AU on my Amex account but was told the min age is 15 years old. She is only 11. I am not sure if all banks have the same rule.


+1. I'm pretty sure I was 15 when I was added as an AU.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor
Posts: 570
Registered: ‎11-10-2012
0

Re: AU minimum age

I'm curious. Do the CCs report for a minor?

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (7/26/15): Wally TU 639 | Discover EX 651 | DCU EQ 649
Goals: Last app 7/29/15. Down from 30+ inqs each to TU-3; EX-5; EQ-11. Aiming for ZERO inqs.
Blogger
Posts: 3,360
Registered: ‎10-19-2012
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Re: AU minimum age


CreditScholar wrote:

calihlove75 wrote:

Ravensfan2001 wrote:

Is there a minimum age to become an authorized user? Not really looking to start credit, just convenience for me.


I tried to add my little girl as an AU on my Amex account but was told the min age is 15 years old. She is only 11. I am not sure if all banks have the same rule.


+1. I'm pretty sure I was 15 when I was added as an AU.


Really? I'll do that for my future kids for sure Robot tongue

Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
0

Re: AU minimum age


Ravensfan2001 wrote:
I'm curious. Do the CCs report for a minor?

I'm honestly not sure. I asked to be removed when I was 18, so I never had a chance to look. Maybe someone else would knew about this?

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Valued Member
Posts: 85
Registered: ‎11-13-2012
0

Re: AU minimum age

Would also like to know
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
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Re: AU minimum age


grubs wrote:
Would also like to know



Also very curious. If that's the case then, I'll put my little brother down right now as an AU for AMEX and give him a headstart. He's 15. Another thing, when you open an AU account does the AU have to use the card or would I be able to SD the card and let him get some history without having to swipe lol?

 

 

 

 

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