topic Re: Authorized User Question in Credit Cards

Authorized User Question

nmac — Sun, 29 Jun 2014 03:29:48 GMT

If I add someone as a AU to one of my credit cards does the entire card history show up on their report or does it look as if it was a new tradeline? Also does this vary with each bank or do all the banks handel it the same? Thanks

Re: Authorized User Question

gdale6 — Sun, 29 Jun 2014 03:36:24 GMT

@nmac wrote:
If I add someone as a AU to one of my credit cards does the entire card history show up on their report or does it look as if it was a new tradeline? Also does this vary with each bank or do all the banks handel it the same? Thanks

Your history shows up but on the AUs report there is a notation to the month/year they were added as AU. Every bank is different on whether or not they will report an AU account

Re: Authorized User Question

nmac — Sun, 29 Jun 2014 03:39:19 GMT

@gdale6 wrote:
@nmac wrote:
If I add someone as a AU to one of my credit cards does the entire card history show up on their report or does it look as if it was a new tradeline? Also does this vary with each bank or do all the banks handel it the same? Thanks
Your history shows up but on the AUs report there is a notation to the month/year they were added as AU. Every bank is different on whether or not they will report an AU account

Thanks! Do you happen to know if chase reports authorized users?

Re: Authorized User Question

CreditPlay — Sun, 29 Jun 2014 05:34:49 GMT

Chase do report authorized users, entired history of the primary card holder would get added to AUs report. I think only amex is the exception these days who add additonal card holder like a new tradeline.

Re: Authorized User Question

nmac — Sun, 29 Jun 2014 05:48:31 GMT

@Jayx wrote:
Chase do report authorized users, entired history of the primary card holder would get added to AUs report. I think only amex is the exception these days who add additonal card holder like a new tradeline.

thanks