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Chase Default --Authorized User

Valued Member

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!

Message 1 of 10
9 REPLIES
Valued Contributor

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.
EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 2 of 10
Moderator Emerita

Re: Chase Default --Authorized User

Message 3 of 10
Established Contributor

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.

Message 4 of 10
Moderator Emerita

Re: Chase Default --Authorized User

I was thinking the same @ Rackham94.
Chase has a loooooonnng memory!
Message 5 of 10
Valued Contributor

Re: Chase Default --Authorized User

+1 on long memory. I'm still on blacklist (13 yrs).
Message 6 of 10
Contributor

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 Smiley Embarassed)


Last app 3/21/13
EQ 658 (5/28/13)
TU 608 (5/1/13)
Message 7 of 10
Valued Contributor

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.

Message 8 of 10
Valued Member

Re: Chase Default --Authorized User

Hi Burned--

 

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

 

 

Message 9 of 10
Highlighted
Moderator Emeritus

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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Message 10 of 10