Frequent Contributor
jake619
Posts: 457
Registered: ‎11-13-2012
Does adding an AU at time of app help?

‎12-16-2012 10:18 PM

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


(152 Views)
 
Established Contributor
namvet
Posts: 846
Registered: ‎09-22-2011
Re: Does adding an AU at time of app help?

‎12-17-2012 06:52 AM

IMO it won't help with the approval. 

(114 Views)
 
Established Contributor
bribro
Posts: 880
Registered: ‎04-20-2012
Re: Does adding an AU at time of app help?

‎12-17-2012 08:56 AM

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.

Credit Karma Score: 803 (4/26/13)
Credit Sesame Score: 792 (4/26/13)

J.P. Morgan Palladium ($100k x3) | Citi Dividend World Elite MC w/EMV ($20k) | Chase Sapphire Preferred Visa Signature ($25k) | Chase Ink Bold World Elite MC ($25k Flex) | Chase Freedom Visa Signature ($25k) | Chase Freedom World MC ($25k) | Chase MileagePlus Explorer Visa Signature ($15k) | AmEx Blue Sky ($22.5k) | Lexus Financial Services ($30k) | Capital One Store Credit ($6k) | GE Money Store Credit ($3k) | WFNNB Store Credit ($2k) | Macy's Store Credit ($2k)
(90 Views)