topic Re: Question about Auth Users on card... in Credit Cards

Question about Auth Users on card...

Anonymous — Tue, 15 Dec 2009 15:35:24 GMT

We've been curious about this since last year when I got my Chase card. During the process of getting approved, I gave my social, address, etc. The rep on the phone asked if I wanted any authorized users. So I gave him my girlfriends name who happened to live at the same address. That was the only question asked. She ended up getting a card with her name on it as expected, but the account also ended up on her credit report. I never gave her social or birthdate to the rep on the phone.

Considering the rammifications of adding an authorized user to an account (particularly if I were to have gotten a delinquency on the card), is this out of the ordinary? Just seems odd that companies providing credit can find a report and put a tradeline on it without having anything other than a name and address... or are we completely missing something here?

Re: Question about Auth Users on card...

Jazzzy — Tue, 15 Dec 2009 15:39:33 GMT

They likely matched it by address. It happens.

Re: Question about Auth Users on card...

cobaltnv — Tue, 15 Dec 2009 15:42:20 GMT

CCC are happy to add AU so easily because it can increase use on the account which = $$ for them. They do not care much about who you want to give cards to since the Au's are not responsible for payment. If you are willing to provide a card to someone and be responsible for what they charge the ccc are happy to hand it out.

And I agree that it is a bit spooky that the account can find its way to the AU's CRA without a SS# or other info--but it happens al the time.

Cheers

Re: Question about Auth Users on card...

Anonymous — Tue, 15 Dec 2009 17:32:27 GMT

It in not unusual for them to find someone by a matching address. At one time, BofA asked my mom is she wanted an AU on her new card. She said she'd like for me to be able to use it. I hadn't lived at her address in years but BofA linked us in no time. I thought it was a little creepy.