At what age should I add my son as an AU to build credit?

[lololol]

---

@Anonymous wrote:

I researched this myelf because I have a daughter due to be born within the month.

The ONLY drawback I can see is if something adverse happens to you in life and that paticular card. You could hurt your child's credit. 

---

AU accounts can be removed by request. This isnt really a drawback.

[Anonymous]

---

@lololol wrote:

---

@Anonymous wrote:

I researched this myelf because I have a daughter due to be born within the month.

The ONLY drawback I can see is if something adverse happens to you in life and that paticular card. You could hurt your child's credit. 

---

AU accounts can be removed by request. This isnt really a drawback.

---

If it posts to your account and they are an AU at that time, but yes, you're correct

[JSS3]

AFAIK, an AU gets the whole history of a card. If you add an 18 yr old to a 15 yr old card, he'll instantly have 15 yrs of history. I believe that's how it works. In that case, no need to add them sooner.

[Anonymous]

---

@JSS3 wrote:
AFAIK, an AU gets the whole history of a card. If you add an 18 yr old to a 15 yr old card, he'll instantly have 15 yrs of history. I believe that's how it works. In that case, no need to add them sooner.

---

Interesting, I didn't know that.

what if the card is older than the individual? How could your credit report 20 years of credit history on an 18 year old?

[lindsaydruart]

---

@Anonymous wrote:

---

@JSS3 wrote:
AFAIK, an AU gets the whole history of a card. If you add an 18 yr old to a 15 yr old card, he'll instantly have 15 yrs of history. I believe that's how it works. In that case, no need to add them sooner.

---

Interesting, I didn't know that.

what if the card is older than the individual? How could your credit report 20 years of credit history on an 18 year old?

---

You would still get the history I guess. I was an AU on my mother's card and it hurt my credit when she died and the account went unpaid but as soon as I was removed as AU, it removed from my report and it was like it was never there.

[Anonymous]

I just added my 4 year old to my USAA card and Navy Federal card. 

[Anonymous]

OP have you tried adding your son yet? Thanks in advance.

[Anonymous]

Answer: Yes x1000000

Just add them right now......no harm no foul. 

My mom added me to her discover when I was 14. It came along with an age of 20 years on my credit report. lol. 

[Creditdreamer]

Haven't tried yet. Going to try now. I've been MIA as I was putting the small human in bed and finishing my homework (yay last class before getting my degree!). Going to try to add him now. I'll update when I do. 

[Creditdreamer]

So I tried to add him to my Discover card and it says he has to be a minimum of 15 years old. However, I just added him to my Capital One Quicksilver card and they added him without a problem. We'll see how it goes. I am going to try to add him on any future cards after I rebuild more. My monthly utilization is very nice though and I charge a lot and pay before the statement cuts down to 9% and then PIF the next day. Like I said in my OP, I'm very bored waiting for my credit to increase and for things to age off, and a bit obsessed admittedly. The only other card I have is Credit One and I don't want to add him to that.