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Regular Contributor
Posts: 159
Registered: ‎12-09-2013
0

AU question

So I'm planning on asking my brother to add me to his CSP card as an AU mainly for AAoA purposes.  Will his UTL affect me? whether its high or low? or is it just him cause its under his name? 

FICO: 615 (1/14)
Current: 634 (3/14)
GOAL: 700+

Gardening till 7/15/14
Moderator
Posts: 28,652
Registered: ‎12-13-2013
0

Re: AU question

His actual util will not spill over to you, what will happen is the card will report with the balance and the CL, it will affect your util as the balance and the CL will go into your calculations.

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: AU question

The util on that card will be included in your util. If his balance is highm it will reflect on your CR's.  

If he hasn't had the cc longer than your oldest TL it will not help your AAOA 

Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
0

Re: AU question


09Lexie wrote:

The util on that card will be included in your util. If his balance is high it will reflect on your CR's.  

If he hasn't had the cc longer than your oldest TL it will not help your AAOA 


+1

 

Always consider whether this will be a good benefit in the long run, besides just the AAoA.  If his CSP is usually maxed or over 30% utilized most of the time, then something to think about.

Highlighted
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
0

Re: AU question


FinStar wrote:

09Lexie wrote:

The util on that card will be included in your util. If his balance is high it will reflect on your CR's.  

If he hasn't had the cc longer than your oldest TL it will not help your AAOA 


+1

 

Always consider whether this will be a good benefit in the long run, besides just the AAoA.  If his CSP is usually maxed or over 30% utilized most of the time, then something to think about.


+2



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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