My wife has long been an authorized user on a most of my cards. However, they mostly DON'T appear on her credit report. I assumed that this is because she didn't have an SSN until recently (I was on a work visa that didn't entitle her to work--now she's got her own work auth). So now that she has a SSN I am calling the cards where she is an authorized user and updating them.
Here were my results so far in getting her SSN added:
-- Amex was easy peasey, they updated it over online chat, took about 5min
-- CITI did it, but they made a big deal out of making me call the fraud department, took 20min on the phone
-- Bank of America made her go into a branch with her SSN card, updated it, but told her in branch that it won't report to the bureaus, tried to convince her to sign up her own card (which we refused to do to avoid the unnecessary hard pull)
-- Chase flat out said they don't do this, won't take an SSN for an authorized user
-- Discover wouldn't previously let me add her as an AU without an SSN, now that she has one, I added her as an AU and they sent the card
-- RBC Bank said they don't do it and won't report it, the agent on the phone said, "we don't even know if your authorized user is a real person, you could add your dog as an authorized user, we don't check". I cached that interesting tidbit in case I ever want a credit card for my dog.
So I guess my question is about BofA and Chase -- do others have this experience that authorized user of those cards don't show on credit reports? I find that somewhat unusual.
