Will being an AU benefit me?

[pizzadude]

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@SwiftTone wrote:

Interesting interesting. I am a bit reluctant in doing this now.

If I do go ahead and do it, and the result ended up being what I wasn't not hoping for. I can just be taken off the AU account right? Then I can dispute it with the CRA to delete it off my CR?

Do you guys think I should go ahead and do it?

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I don't think that it could hurt you to be added as an AU ~ unless the reported balance on the new card significantly increases your overall utilization.    Do you know what his usual monthly balances are on this card ?

And yes if you change your mind later you can always have Chase remove you from the card as an AU.

[SwiftTone]

I will think about it a bit more.

Just realized after reading a bit on the forums that AAoA is for all accounts. My AAoA for open accounts is 1year 7 months, but my AAoA for all accounts is 3-4 years.

[pizzadude]

You are correct that AAoA factors in both open & closed accounts ~ definately take a look to see if it would help your AAoA before you decide...

[LS2982]

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@johnnie198x wrote:

It won't hurt you to be AU on his card (given perfect payment + low util). It really depends on the analyst to whether consider the fact that you're only an AU.

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This is also true.

[LS2982]

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@SwiftTone wrote:

Interesting interesting. I am a bit reluctant in doing this now.

If I do go ahead and do it, and the result ended up being what I wasn't not hoping for. I can just be taken off the AU account right? Then I can dispute it with the CRA to delete it off my CR?

Do you guys think I should go ahead and do it?

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You can remove yourself from AU status at anytime.