topic AU with Horrible Credit Question in Credit Cards

AU with Horrible Credit Question

AirlinerDudeB6 — Tue, 10 Mar 2015 13:08:18 GMT

So quick question on AU...

I'm aware that it is 100% the account holders responsibility for all charges on the account regardless of who made the purchase.

However, If someone adds an AU that has bad credit, do you think that it could negatively influence/impact any future decisions that lender makes on your account?

For example...You have stellar credit, perfect payment hisorty, and all that good stuff....you add girlfriend/spouse that has horrible credit as an AU....lender does a SP on AU at some point and sees the mess on their CR...could that make a lender be less receptive to granting a CLI, PC, or take other AA on your account due to the increased risk?

To take it one step further....what if the AU burned that lender in the past. Would that have any effect on decisions/actions the lender makes on your account?

I know most answers here will be speculation, but I’m curious what you think.

Re: AU with Horrible Credit Question

Anonymous — Tue, 10 Mar 2015 13:10:44 GMT

@AirlinerDudeB6 wrote:
So quick question on AU...

I'm aware that it is 100% the account holders responsibility for all charges on the account regardless of who made the purchase.

However, If someone adds an AU that has bad credit, do you think that it could negatively influence/impact any future decisions that lender makes on your account?

For example...You have stellar credit, perfect payment hisorty, and all that good stuff....you add girlfriend/spouse that has horrible credit as an AU....lender does a SP on AU at some point and sees the mess on their CR...could that make a lender be less receptive to granting a CLI, PC, or take other AA on your account due to the increased risk?

To take it one step further....what if the AU burned that lender in the past. Would that have any effect on decisions/actions the lender makes on your account?

I know most answers here will be speculation, but I’m curious what you think.

Doubtful.

However...If they previously burnt AMEX, They may not add them as an AU upon request.

Re: AU with Horrible Credit Question

takeshi74 — Tue, 10 Mar 2015 13:27:12 GMT

@AirlinerDudeB6 wrote:
However, If someone adds an AU that has bad credit, do you think that it could negatively influence/impact any future decisions that lender makes on your account?

No. Any potential issues arise from the condition of the tradeline itself.

Re: AU with Horrible Credit Question

Shelly13 — Tue, 10 Mar 2015 16:40:55 GMT

@AirlinerDudeB6 wrote:
So quick question on AU...

I'm aware that it is 100% the account holders responsibility for all charges on the account regardless of who made the purchase.

However, If someone adds an AU that has bad credit, do you think that it could negatively influence/impact any future decisions that lender makes on your account?

For example...You have stellar credit, perfect payment hisorty, and all that good stuff....you add girlfriend/spouse that has horrible credit as an AU....lender does a SP on AU at some point and sees the mess on their CR...could that make a lender be less receptive to granting a CLI, PC, or take other AA on your account due to the increased risk?

To take it one step further....what if the AU burned that lender in the past. Would that have any effect on decisions/actions the lender makes on your account?

I know most answers here will be speculation, but I’m curious what you think.

You can always call the card company and have the tradeline deleted. I did that.