topic Re: Chase Default --Authorized User in Credit Cards

Chase Default --Authorized User

sperrin — Sat, 13 Apr 2013 02:56:07 GMT

I defaulted on a Chase credit card I obtained on college in 2005. It's about to drop off my credit report in November. In the mean time, I wanted to know if there would be an issue if I was added as an authorized user on my parent's Chase Sapphire card. I know there are issues if you've ever defaulted with American Express, I was just hopping Chase was not the same. Thanks in advance guys!

Re: Chase Default --Authorized User

CreditScholar — Sat, 13 Apr 2013 03:27:56 GMT

I doubt there will be an issue. I added my fiancée as an AU to my Chase cards and she doesn't even have a U.S. SSN (she's not American). Chase just wanted her name and how it was spelled. That's it. She could have been named Daisy Duke and I doubt they would have cared.

Re: Chase Default --Authorized User

Anonymous — Sat, 13 Apr 2013 03:32:08 GMT

@ CreditScholar

DaisyDuke 😂

Re: Chase Default --Authorized User

Rackham94 — Sat, 13 Apr 2013 03:40:07 GMT

@sperrin wrote:
I defaulted on a Chase credit card I obtained on college in 2005. It's about to drop off my credit report in November. In the mean time, I wanted to know if there would be an issue if I was added as an authorized user on my parent's Chase Sapphire card. I know there are issues if you've ever defaulted with American Express, I was just hopping Chase was not the same. Thanks in advance guys!

There should not be a problem being added as an AU but as far as later opening up another Chase card chances are slim to none.

Re: Chase Default --Authorized User

Anonymous — Sat, 13 Apr 2013 03:45:38 GMT

I was thinking the same @ Rackham94.
Chase has a loooooonnng memory!

Re: Chase Default --Authorized User

Burned2manybridgesB4 — Sat, 13 Apr 2013 07:53:20 GMT

+1 on long memory. I'm still on blacklist (13 yrs).

Re: Chase Default --Authorized User

Anonymous — Sat, 13 Apr 2013 08:52:34 GMT

What if I was an AU on a Chase card that was charged off (shows up on my reports that I was an AU, currently in dispute to be deleted) could I apply for my own Chase card with no black lash for the old CO? (Sorry for the hijack of your post OP )

Re: Chase Default --Authorized User

Burned2manybridgesB4 — Tue, 16 Apr 2013 14:50:07 GMT

I've heard/read horror stories about CC's coming after the AU's when a card defaults...Don't know what to tell ya.

Re: Chase Default --Authorized User

sperrin — Tue, 16 Apr 2013 19:47:56 GMT

Hi Burned--

Not really sure I understand your response? Seems like that would be illegal.

Re: Chase Default --Authorized User

webhopper — Tue, 16 Apr 2013 21:31:27 GMT

I don't believe that there should be an issue.

If there is an issue, then Chase will likely notify your parent, and the account will remain intact without your being an AU.