topic Re: Chase Authorized User? in Credit Cards

Chase Authorized User?

MyFault — Thu, 30 Jul 2020 23:13:59 GMT

With the recent addition of the 5x grocery SUB on the CF and CFU, i've run the idea by my fiance of her getting the CF and adding me as an AU since i'm over 5/24.(she needs a UR card anyway, since she only has the UA Explorer card right now). With our spending we could come close, possibly max out, to hiting the $12k in 12 months.

I honestly don't care about the CF, as it doesn't align with my spending so her getting it and adding me as an AU for groceries for this SUB, makes perfect sense.

But, i'm curious how Chase works when you remove someone as an AU? Does Chase remove the account from your credit profile, after being removed as an AU, or does it stay on your report?

Re: Chase Authorized User?

OmarGB9 — Thu, 30 Jul 2020 23:16:53 GMT

I believe it would be removed from reports.

Re: Chase Authorized User?

simplynoir — Thu, 30 Jul 2020 23:21:22 GMT

Why have her add you and just use her card when making grocery purchases? Especially since it won't be a long term card

Re: Chase Authorized User?

Anonymous — Thu, 30 Jul 2020 23:49:26 GMT

@simplynoir wrote:
Why have her add you and just use her card when making grocery purchases? Especially since it won't be a long term card

If your grocery store(s) of choice take ApplePay/GooglePay/SamsungPay, just add the card and use it that way. Easier, no credit report risk and a better experience anyway. :-)

Re: Chase Authorized User?

MyFault — Fri, 31 Jul 2020 00:04:52 GMT

@Anonymous wrote:
@simplynoir wrote:
Why have her add you and just use her card when making grocery purchases? Especially since it won't be a long term card
If your grocery store(s) of choice take ApplePay/GooglePay/SamsungPay, just add the card and use it that way. Easier, no credit report risk and a better experience anyway. :-)

Because we're not always together, she's an RN and works nights, so some days we won't see each other. I don't want to not be able to go to the grocery store because she's at work and i don't have her card. One card between two people isn't feasable, especially between us.

It would be a long term card for her. Her spending aligns with the Freedom much more than mine does. And on the quarters that offer groceries after the SUB, i'll bring it out of the sock drawer.

Also, unfortunately neither grocery store we shop at, accepts ApplePay or GooglePay yet

Re: Chase Authorized User?

MyFault — Fri, 31 Jul 2020 05:16:26 GMT

I'm unfamiliar with how authorized users work, can someone shed some light on this?

If I'm added as an authorized user to my fiance's freedom card, do I get online access to view my transactions? Am I able to log in to pay on the account? Does the card get added to my Chase log in? Or would it be a separate Chase log in for only the authorized user account?

After the research I'm doing, I'm thinking an AU card may not be worth it. But would like answers to my question before moving forward.

My fiance is going to apply for the Freedom card in the next day or so.

Re: Chase Authorized User?

Anonymous — Fri, 31 Jul 2020 05:39:13 GMT

If I'm added as an authorized user to my fiance's freedom card, do I get online access to view my transactions?

Am I able to log in to pay on the account?

With her online account login, yes.

Does the card get added to my Chase log in?

Or would it be a separate Chase log in for only the authorized user account?

No login for AU

Re: Chase Authorized User?

bourgogne — Fri, 31 Jul 2020 05:42:15 GMT

an AU card will have the same exact #, exp and cvv, just the name will be different. there are no mgmt features like amex. if you close the card and request that it be removed from the credit reports it will be done. except for the lack of mgmt capability its just like how one would like an AU card to be, it will continue to report unless you dont want it to

Re: Chase Authorized User?

bourgogne — Fri, 31 Jul 2020 06:04:41 GMT

one thing to add, not trying to up-sell chase, is that they report a zero bal and a bal overnight to the bureaus, some that are into micro mgnt of their scores find this very handy. in my experience their SM response time is fantastic. moving limits and doing product changes are very easy. they are professionals

Re: Chase Authorized User?

K-in-Boston — Fri, 31 Jul 2020 07:53:36 GMT

Amex gives the most control over AU access, and other than Citi they are the only ones that give AUs access to cards on their own login as far as I am aware. Citi and CBNA have no AU controls; the AU has access to everything except CLI requests.

Another Chase positive with having a household member with UR cards is that you can move URs between each other's cards.

Re: Chase Authorized User?

Anonymous — Fri, 31 Jul 2020 15:19:42 GMT

@K-in-Boston wrote:
Amex gives the most control over AU access, and other than Citi they are the only ones that give AUs access to cards on their own login as far as I am aware. Citi and CBNA have no AU controls; the AU has access to everything except CLI requests.

Another Chase positive with having a household member with UR cards is that you can move URs between each other's cards.

Navy Federal (assuming both people have a login, haven't tested if the AU doesn't have their own membership) will show the cards you're an AU on. Their interface shows the charges you've made and allows you to make a payment. That's about it though. You can't see the points/cashback amount, etc.

Another benefit of NFCU is you can set a limit for AUs. This will be handy a few years down the road when we consider giving our kids access to these accounts via making them AUs. We can set spending limits for them which will limit our exposure, and help teach them responsible use of credit.