Regular Contributor
Posts: 170
Registered: ‎03-05-2012
Discover AU benefits?
I've had discover for 7 months now. 2 months ago my wife also got a discover card. Her limit cl is $2000 mine is only $1000.

I was added as a AU. now is this s good idea? Is it worth doing this or will it hurt my Average age of credit? Which currently stands at 1 year tho I've had credit for 3 years. I had also recently added Walmart & amazon 4 months ago.

I was hoping it would help me with a Cli but recently when I requested a Cli they said it would be a hard pull.

Any benefit keeping me on the account as a AU or is it doing more damage than good. ??

Do u think removing will bump my average credit age ??

Advice please.

On a side note. All my cards are due for a CLI past my six months but all want hard pulls. Discover. Chase & citi. Current uti is 22% & debt to income is 7%

Should I want till ever is down super low or bite the bullet. My scores have dropped 20 points across the board because of the recently added cards.

Cheers
Regular Contributor
Posts: 170
Registered: ‎03-05-2012
Re: Discover AU benefits?
Btw. Forgot to add. My discover is reporting to the credit agency and my scores run. TU 670. EX. 656. EQ. 654
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
Re: Discover AU benefits?

what your plan ? why you wanna add as a authorize ? ..........i dont see anything positive if you add on her card because her card is only a few months old......i mean if you goal get some high limit card then i would suggest get some GE card..........they give a very good credit limit......


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Regular Contributor
Posts: 170
Registered: ‎03-05-2012
Re: Discover AU benefits?
I have Walmart & amazon. Both run $1200 Cli but I just reached my 4 month mark. So I will be asking for a limit increase.

I added myself to her card as I thought it might help discover bump my limit from $1000 to $2000

I should remove it