30k $ AU destroyed my credit

[myfarouco]

i paid for authorizeduser chase card 30000$ utilization  7% no dispute,late payment , it made my score go up but all preapproved cards shut down , only prearproved that stayed was amex , i was preaproved for many cards from wellsfargo,boa, chase ,citi ect .. i thaught if i add a au 30000$ they might give me more money, but what they did is they all shutdown every preapproval. do you know why? 

[Anonymous]

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@myfarouco wrote:

i paid for authorizeduser chase card 30000$ utilization  7% no dispute,late payment , it made my score go up but all preapproved cards shut down , only prearproved that stayed was amex , i was preaproved for many cards from wellsfargo,boa, chase ,citi ect .. i thaught if i add a au 30000$ they might give me more money, but what they did is they all shutdown every preapproval. do you know why? 

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It's possible that they detected and disliked this "fake" AU business.   Or the card wasn't as clean as advertized  (Selling AUs isn't exactly a well-regulated business!).   If and when preapprovals do start showing (which is no guarantee of approval) just apply for the one that suits your needs the best, rather than doing this sort of stuff in hopes of getting a better deal

And IMO the title is confusing.  I thought at first you had added an AU who had run up $30K in debt.   In this case, the wrong-doing is slightly more on your side!

[wingennis]

🫤

[Gregory1776]

Great way to have your identity stolen / information sold. 

[xenon3030]

They might dislike the credit profile of the AU

I assume that you had a good credit profile, since you had several pre-approved offers. So, why did you add the AU? If the profile of the AU is not interesting in comparison to yours, you might proceed to drop the AU.

If you do not mind, you might share some credit information of yourself and the AU (Fico8, AAoA, etc) to see how adding the AU could result a dislike by the lenders.

[Remedios]

They really aren't looking for answers, it's more of an activity that large non-human entity that lives under a bridge would engage in ... 

In other words, trolling. 

*See user name 

**Notice how "paid" is there for your enjoyment 

*** Notice how someone with great credit and all pre-approvals decides to pay for AU status they didnt need 

Or, it's a real question and humanity is doomed - we all knew this, but this is seriously moving time tables 

[Zoostation1]

Sure looks like another bogus AI generated question, and the concern for me is how much I see of this here on myFICO versus other sites.

[Anonymous]

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@xenon3030 wrote:

They might dislike the credit profile of the AU

I assume that you had a good credit profile, since you had several pre-approved offers. So, why did you add the AU? If the profile of the AU is not interesting in comparison to yours, you might proceed to drop the AU.

If you do not mind, you might share some credit information of yourself and the AU (Fico8, AAoA, etc) to see how adding the AU could result a dislike by the lenders.

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they didn't add an AU, they paid to get added as an AU on someone else's account.  Or, as @Remedios suggests, they really didn't do anything except post

[Anonymous]

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@Remedios wrote:

 it's more of an activity that large non-human entity that lives under a bridge would engage in ... 

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I  object to this lazy stereotype!  Many of my good friends are trolls and very few live under bridges, not all the time anyway.

OK, not my good friends, I certainly wouldn't to socialize with that sort, but a bit of respect.  Maybe.

[markhs777]

If this is actually true someone needs their head examined.