topic Re: Authorized users question (besides capital one) in Credit Cards

Authorized users question (besides capital one)

Anonymous — Sat, 08 Nov 2014 22:40:43 GMT

Does anyone know of any other cards besides Capital One, that don't report authorized users as "authorized users" to the credit agencies? How about Walmart and Old Navy?

Thanks

Re: Authorized users question (besides capital one)

Anonymous — Sat, 08 Nov 2014 23:17:44 GMT

Don't try to game the system. No one has the right to have access to any credit. It is only earned by being responsible over time.

Re: Authorized users question (besides capital one)

Open123 — Sat, 08 Nov 2014 23:23:11 GMT

@Anonymous wrote:
Don't try to game the system. No one has the right to have access to any credit. It is only earned by being responsible over time.

What's the difference in what the OP is asking compared to the litany of "how to maximize" score suggestions of paying before the balance posts or leaving all cards at 0, but a single one at 1%? Or, raise CLs with SPs to lower utility for a better score?

In my view, nothing really wrong with OP's question. I mean, it's not as the OP is asking for something really onerous, such as MS.

Re: Authorized users question (besides capital one)

Anonymous — Sat, 08 Nov 2014 23:29:29 GMT

Umm ok. My husband and I share credit card.Thanks for your input? though.

Re: Authorized users question (besides capital one)

09Lexie — Sun, 09 Nov 2014 01:03:31 GMT

Walmart and probably Old Navy both report AUs as AUs.

Re: Authorized users question (besides capital one)

uswala — Sun, 09 Nov 2014 01:06:24 GMT

@Anonymous wrote:
Does anyone know of any other cards besides Capital One, that don't report authorized users as "authorized users" to the credit agencies? How about Walmart and Old Navy?

Thanks

I am an AU on my wife's CapOne QS and it does report me as AU to all 3 agencies!! I do not know why you are saying CapOne does not do so.

Re: Authorized users question (besides capital one)

Anonymous — Sun, 09 Nov 2014 02:01:23 GMT

My cap 1 reports to my husband and his to me, but not listed as "authorized user"

Re: Authorized users question (besides capital one)

uswala — Sun, 09 Nov 2014 02:06:54 GMT

@Anonymous wrote:
My cap 1 reports to my husband and his to me, but not listed as "authorized user"

Strange...it clearly shows AU in my case in TU and EQ. In the free EX report I have has no section for Individual or Authorized user so I cannot comment.

Re: Authorized users question (besides capital one)

Anonymous — Sun, 09 Nov 2014 03:07:24 GMT

@Open123 wrote:
@Anonymous wrote:
Don't try to game the system. No one has the right to have access to any credit. It is only earned by being responsible over time.
What's the difference in what the OP is asking compared to the litany of "how to maximize" score suggestions of paying before the balance posts or leaving all cards at 0, but a single one at 1%? Or, raise CLs with SPs to lower utility for a better score?

In my view, nothing really wrong with OP's question. I mean, it's not as the OP is asking for something really onerous, such as MS.

+1 Agreed.