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Last week, I added my husband as an authorized user on my Capital One card (zero balance/$3,000 limit). My statement closing is the first week of May and last month, they reported within a couple days of my statement closing. After reading a few other posts, I am worried that Capital One will not report at all if I have a zero balance, since they won't have anything different to report to the bureaus. I really don't want to use this card for absolutely no reason so I am wondering if it would be wise to transfer a small amount, maybe $50 or so, from my Discover card to my Capital One card. That way, they have a balance to report and will also update my authorized user on my card, hopefully showing on my husband's credit reports also. The goal here is to have the CapOne card showing up on my husband's score ASAP. Any advice would be appreciated.
So- does there have to be activity for the card to report? That's what I am trying to figure out, and crossing my fingers that when the card reports it will also report my husband as an AU. I haven't used the card in a while.
bump
cap1 will report 0 balance