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Valued Member
sperrin
Posts: 42
Registered: ‎10-17-2012
0

Chase Default --Authorized User

I defaulted on a Chase credit card I obtained on college in 2005.  It's about to drop off my credit report in November.  In the mean time, I wanted to know if there would be an issue if I was added as an authorized user on my parent's Chase Sapphire card.  I know there are issues if you've ever defaulted with American Express, I was just hopping Chase was not the same.  Thanks in advance guys!

Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Chase Default --Authorized User

I doubt there will be an issue. I added my fiancée as an AU to my Chase cards and she doesn't even have a U.S. SSN (she's not American). Chase just wanted her name and how it was spelled. That's it. She could have been named Daisy Duke and I doubt they would have cared.
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Moderator
09Lexie
Posts: 26,321
Registered: ‎09-13-2012
0

Re: Chase Default --Authorized User

[ Edited ]
Established Contributor
Rackham94
Posts: 508
Registered: ‎04-01-2013
0

Re: Chase Default --Authorized User


sperrin wrote:

I defaulted on a Chase credit card I obtained on college in 2005.  It's about to drop off my credit report in November.  In the mean time, I wanted to know if there would be an issue if I was added as an authorized user on my parent's Chase Sapphire card.  I know there are issues if you've ever defaulted with American Express, I was just hopping Chase was not the same.  Thanks in advance guys!


There should not be a problem being added as an AU but as far as later opening up another Chase card chances are slim to none.

Moderator
09Lexie
Posts: 26,321
Registered: ‎09-13-2012
0

Re: Chase Default --Authorized User

I was thinking the same @ Rackham94.
Chase has a loooooonnng memory!
Valued Contributor
Burned2manybridgesB4
Posts: 2,275
Registered: ‎03-15-2012
0

Re: Chase Default --Authorized User

+1 on long memory. I'm still on blacklist (13 yrs).
RIP: AxHH (11-25-14)

Contributor
Shyone44
Posts: 79
Registered: ‎03-23-2013
0

Re: Chase Default --Authorized User

What if I was an AU on a Chase card that was charged off (shows up on my reports that I was an AU, currently in dispute to be deleted) could I apply for my own Chase card with no black lash for the old CO? (Sorry for the hijack of your post OP :smileyembarrassed:)


Last app 3/21/13
EQ 658 (5/28/13)
TU 608 (5/1/13)
Valued Contributor
Burned2manybridgesB4
Posts: 2,275
Registered: ‎03-15-2012
0

Re: Chase Default --Authorized User

I've heard/read horror stories about CC's coming after the AU's when a card defaults...Don't know what to tell ya.

RIP: AxHH (11-25-14)

Valued Member
sperrin
Posts: 42
Registered: ‎10-17-2012
0

Re: Chase Default --Authorized User

Hi Burned--

 

Not really sure I understand your response?  Seems like that would be illegal.

 

 

Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Chase Default --Authorized User

I don't believe that there should be an issue.

If there is an issue, then Chase will likely notify your parent, and the account will remain intact without your being an AU.


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