Which card should I add authorized user?

gr33nsuit · ‎12-11-2014

My mom is a new permanent residence with green card for couple of months. I've opened a total checking with Chase and Penfed restricted account for her and just sort of gardening them I guess. She was also approved for QuickSilver One with a $300 limit. I was wondering what card should I add her on as authorized user and would doing that even help her? I was thinking to add her to my Sallie Mae for the grocery sake but it doesn't seem like it asks for her SSN when I try adding her online (doesn't that mean it doesn't help her in anyway?)

Start of Gardening 12/13/14

Shock · ‎12-11-2014

i just added an AU to my citi card. no SSN needed.

lg8302ch · ‎12-11-2014

How about Amex for future backdating purpose ?

takeshi74 · ‎12-11-2014

@gr33nsuit wrote:
I was wondering what card should I add her on as authorized user and would doing that even help her?

Depends on the creditor and scoring model. Some disregard accounts where a person is an AU on the account.

Definitely not PenFed. My wife's an AU on my Penfed card and it does not report for her. I'd also suggest AmEx from the standpoint that it will establish her MSD. Aside from that it's really a matter of the tradeline itself. Tradelines with better age, lower utilization, clean payment history etc will help while tradelines that are new, have high utilization and derogs, etc will not help/will not help as much.

Your Ink Plus won't help her either.

@gr33nsuit wrote:
it doesn't seem like it asks for her SSN when I try adding her online (doesn't that mean it doesn't help her in anyway?)

Can't speak to Sallie Mae specifically but not necessarily. Chase doesn't ask for SSN but it reports for AU's.

gr33nsuit · ‎12-12-2014

thanks, but if they don't ask for SSN, how do they report her credit report?

Start of Gardening 12/13/14

Anonymous · ‎12-12-2014

Congrats on the green card . Amex for sure if you have one . That way she can apply for one in January 2016 and instantly have 2 years of history .

gr33nsuit · ‎12-12-2014

wait how does that work?

Start of Gardening 12/13/14

Anonymous · ‎12-13-2014

@gr33nsuit wrote:
thanks, but if they don't ask for SSN, how do they report her credit report?

They go by the address if they dont ask for ssn they try to link you with the AU's address if you do enough they will link cause all cards go to AU address which then looks like yours.