cancel
Showing results for 
Search instead for 
Did you mean: 

Authorized User

tag
PyRo189
Valued Member

Authorized User

I am a authorized user on a couple of my wife's credit cards, which report on my credit aswell. Being since I am only a authorized user does that affect my UTIL aswell on my CR?

Message 1 of 6
5 REPLIES 5
myjourney
Super Contributor

Re: Authorized User

Yes it does her UTL is your UTL when it comes to reporting to CB's 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 6
PyRo189
Valued Member

Re: Authorized User

So being since that jumps me to 59% util from 18% util im guessing its a good idea to remove.

Message 3 of 6
myjourney
Super Contributor

Re: Authorized User


@PyRo189 wrote:

So being since that jumps me to 59% util from 18% util im guessing its a good idea to remove.


Depends on how long it will remain that high?

If it will be paid down soon keep the AU account for history etc etc 

If its going to be that way for awhile might want to think of removing yourself if you plan to app new cards anytime soon

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 6
PyRo189
Valued Member

Re: Authorized User

Well it will be paid down in the next few months just form our Honeymoon.

Message 5 of 6
myjourney
Super Contributor

Re: Authorized User


@PyRo189 wrote:

Well it will be paid down in the next few months just form our Honeymoon.


If the AU's have good history I would and this is just me ride it out and keep them 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.