cancel
Showing results for 
Search instead for 
Did you mean: 

AU question

Regular Contributor

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? 

Message 1 of 5
4 REPLIES
Moderator

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.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 2 of 5
Moderator Emerita

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 

Message 3 of 5
Senior Contributor

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.

Message 4 of 5
Highlighted
Valued Contributor

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
---=[NORTHBOUND]=---
Message 5 of 5