Frequent Contributor
jake619
Posts: 496
Registered: ‎11-13-2012
Does adding an AU at time of app help?

Just thinking about how this looks from the credit grantors piont of view.  If you app and opt to add an AU at time of app (before submitting) could the additional avenue of use be a factor in approval?  I know they only ask for your income and pull your CR but the thought of additional charges seems like it would be a desireable gain for them.  Or it could be detrimental and cause a decline because the potential additional usage is calculated against only your income.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Established Contributor
namvet
Posts: 866
Registered: ‎09-22-2011
Re: Does adding an AU at time of app help?

IMO it won't help with the approval. 

Valued Contributor
bribro
Posts: 1,367
Registered: ‎04-20-2012
Re: Does adding an AU at time of app help?

I've asked a few credit officers about this and was told adding a AU doesn't affect their underwriting decision. However, it DOES matter if you add a joint cardmember.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)