AU question

[b1gr3dmachin3]

My wife and I both have our own credit card. If I put here as an AU on my card and she does the same with me, will that help build our credit score? We both have a BoA Cash Rewards card.

[09Lexie]

Yes as long as you both keep your util low and pyts are made on time.

[Anonymous]

It depends.  Is your card older than her oldest one and vice versa?  If they aren't it could cause your AAoA to drop.

[09Lexie]

True, guess I shouldn't assume they were the same age.

[b1gr3dmachin3]

Yes, we both make payments in full and on time. They are also the same age, as we got them at the same time.

[Anonymous]

But are they your oldest accounts?  If they aren't it will cause your AAoA to drop and you will lose points.  Can't say how much.

[09Lexie]

I believe OP only has 1 cc; correct?

[GatorGuy]

They don't need to be your oldest accounts but rather atleast the same age as their AAoA.

[b1gr3dmachin3]

Yes, I only have 1 CC which is the one in my signature.