Authorized User Affect on Getting Approved for New Credit

[clocktick]

If you want to apply for 2 Chase cards, then that's would I would do.  You can always try to recon if you're denied.  Unless you want to apply for other cards, I would just apply for what I want. 

[thatdudeyoulove]

Well the Freedom I was looking into mainly because of the $300 promo running, but the Amex benefits and backdating look very very appealing now that I am looking at it.

[thatdudeyoulove]

Just pulled the trigger. Instant approval on the Southwest card from Chase.

From Amex BCE:

"Thank you for applying for the Blue Cash EverydaySM from American Express. Your application has been received and will be processed as soon as possible and we will notify you of the decision by mail within 14 days.

Thank you for applying."

[thatdudeyoulove]

Just did an online status check on the BCE. APPROVED!

2 apps and 2 cards landed in 3 minutes.

I'm pumped!

[Anonymous]

Wow BCE with less than a year of history. Congrats!

[aussiesareforever]

Congrats OP!!!!

[thatdudeyoulove]

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@Anonymous wrote:
Wow BCE with less than a year of history. Congrats!

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Yeah I only have 10 months on the account that I'm a primary on, but I have two nice long authorized user accounts from my parents.

My AU accounts are a Chase Southwest Rapid Rewards from February 2001 (basically the same card as the one I applied for) with a CL of $35,000 and a Barclaycard from Sept. 2005 with a CL of $18,300.

My Citi Forward from last June has a CL of $2,000 so I am curious to see what sort of limit I get on these.

Edit: I got a $7,500 CL on the Chase card.

[improvingmycredit]

Congrats!!!! Great choices on cards too! I think things might have gone differently for the 2nd card if you had applied for 2 Chase products. The second app would have been kicked out and you would have to request a manual review for approval. They would then have scrutinized the AU accounts which could have lead to a denial. I am very happy for you! SUCCESS!

[thatdudeyoulove]

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@improvingmycredit wrote:
Congrats!!!! Great choices on cards too! I think things might have gone differently for the 2nd card if you had applied for 2 Chase products. The second app would have been kicked out and you would have to request a manual review for approval. They would then have scrutinized the AU accounts which could have lead to a denial. I am very happy for you! SUCCESS!

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Yeah I'm afraid that might have happened as well. Thank you so much for all your help. I probably would have attempted the double Chase app had you not mentioned trying another bank. You may have saved my butt!

[improvingmycredit]

You are so welcome! I'm glad everything worked out for you. Great starting CL with Chase!
Best of Luck on your credit journey!