cancel
Showing results for 
Search instead for 
Did you mean: 

AU minimum age

Established Contributor

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 (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
13 REPLIES
Established Contributor

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 $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Frequent Contributor

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

Re: AU minimum age

Thanks. Smiley Happy


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Valued Contributor

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.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor

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 (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Blogger

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

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?

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Valued Member

Re: AU minimum age

Would also like to know
Frequent Contributor

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?

 

 

 

 

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX