topic Re: Authorized users in Credit Cards

Authorized users

Anonymous — Fri, 10 Jan 2014 17:15:55 GMT

question - if I get added to my husbands credit cards, will that report on my CR? Is that for all cards and if so, does that help when I apply for the same card I am an Auth user on?

Re: Authorized users

coldnmn — Fri, 10 Jan 2014 17:25:08 GMT

Most will report and yes it will help as long as the cards are in good standing and low utilization . As always YMMV.

Re: Authorized users

sghosh5 — Fri, 10 Jan 2014 19:01:40 GMT

I was added to my wife's AMEX, CITI & DISCOVER cards 10 months back. Recently I got approved for 3 AMEX and DICOVER IT myself. So it definitely helps. And yes they all report to your CR.

Re: Authorized users

Anonymous — Fri, 10 Jan 2014 19:24:30 GMT

so if i do that with chase, I should be able to apply for a card?

Re: Authorized users

FinStar — Sat, 11 Jan 2014 04:56:40 GMT

@Anonymous wrote:
so if i do that with chase, I should be able to apply for a card?

Chase typically excludes AU history from their algorithms. Simply being added as an AU doesn't guaranteee or tilt chances for an approval, unfortunately. This will be based on your own creditworthiness. However, being added as AU will contribute to your scores and overall history though.