Reply
Established Contributor
Ravensfan2001
Posts: 556
Registered: ‎11-10-2012
0

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
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (9/22/14): TU 670 | EX 605 | EQ 659
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13***
Established Contributor
calihlove75
Posts: 789
Registered: ‎05-16-2012
0

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 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Frequent Contributor
mnavas
Posts: 408
Registered: ‎02-04-2013
0

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
Ravensfan2001
Posts: 556
Registered: ‎11-10-2012
0

Re: AU minimum age

Thanks. :smileyhappy:


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (9/22/14): TU 670 | EX 605 | EQ 659
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13***
Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

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
Ravensfan2001
Posts: 556
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
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (9/22/14): TU 670 | EX 605 | EQ 659
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13***
Blogger
HiLine
Posts: 2,953
Registered: ‎10-19-2012
0

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 :robottongue:

Valued Contributor
CreditScholar
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
grubs
Posts: 85
Registered: ‎11-13-2012
0

Re: AU minimum age

Would also like to know
Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

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?

 

 

 

 

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}