Amex EveryDay Approval with AU history only! $15k!

[Zolomon]

Continuing from my post here, I got a lot of great feedback and decided to try something I wasn't too sure was ever tried before.

My wife has no credit history of her own what so ever. I added her as an authorized user on four of my cards. When a report was finally generated for her, Discover's free scorecard gave her a FICO score of 765, albeit with 0 accounts and 0 years of history lol. She applied for the Amex EveryDay card. Dear Almighty Lord, look what happened.

"You did it. You crazy son of a gun, you did it."

Authorized User accounts were as such (also listed on Credit Karma):

Bank of America: 2 years, 3 months old. 0/20.4k utilization.

Amex Gold: 1 year, 4 months old. $414/NPSL

Amex Gold: 1 year, 4 months old (Duplicate. I mistakenly added her twice as an AU.) $414/NPSL

Chase Sapphire Reserve: 1 year, 4 months old. 0/10k utilization.

Chase Freedom Unlimited: 10 months old. $94/4900 or 2% utilization.

In essence, she had 2% utilization on one revolving card, and 2% utilization overall.

Her AU AAoA would be 1 year and 5 months if my math is correct (85 months divided by 5 accounts = 17 months).

[Anonymous]

Good gravy that is outstanding!  Congratulations for getting her set up for success!

[simplynoir]

Congrats to your DW on her awesome approval!

[Anonymous]

Congrats on her first card! Pretty sweet SL too! 

[Anonymous]

Wonderful! That's an impressive approval with an even more impressive SL! Congrats to your wife!

[Anonymous]

That’s awesome, congratulations!

[FicoGuy2019]

Congrats, don't forget about 3X CLI!

[AverageJoesCredit]

Wow, giving 15k to a person with no history 🤯 Amex indeed. Congrats

[Anonymous]

Excellent! I love reading stories like this how someone from this forum uses knowledge gained here to help someone else!

[Anonymous]

Congratulations to DW! I hate to say it, but I told you so! Next year she can add Chase to her arsenal of cards too.