its all ymmv kind of thing..
why add her to a new card though.
if your older cards have low util?
it would help her util and her aaoa.
im not certain but it wouldnt effect her until it reports.
as for cards and collections.
what is she trying to app for?
and the co is it because of something she didnt pay recently or because its in dispute?
depending on what she decides to app for with a lower aaoa they might approve her but like stated with toy limits.
I added her to my new cards because i'm trying to help her with the util. My oldest cards that I pif have less than 1k CL and I'm currently using the Home design card.
The CO is from a long battle with an auto insurance company. Nothing is on her report just yet and probably won't be if everything goes according to plan as we've already paid them in full.
My cards are reporting in her credit report as of now. She would be looking mostly for student cards like the citi forward for students and trying to get her a card from WF.
She won't apply right now tough. We will wait until the accs age. Probably until Feb or Mar next year.
Thank anyways for the interest 
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