AU question......

[jaxstraw]

How would an AU on one of my cards see it on their CR.
As a revolving acc in their name and higher UT for them??
Jax

[Anonymous]

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jaxstraw wrote:
How would an AU on one of my cards see it on their CR.
As a revolving acc in their name and higher UT for them??
Jax

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AUs get the entire history of the account.  If it's a revolving account, then yes, it shows as revolving.  The utilization also counts in the AU's utilization, as well.

The only difference is that an AU account reports with the notation:

"Responsibility: Authorized User"

[jaxstraw]

I guess than any minimums would increase their DTI as well.

[Anonymous]

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jaxstraw wrote:
I guess than any minimums would increase their DTI as well.

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What do you mean by "any minimums"?

[jaxstraw]

I thought to figure out DTI you add up all the payments due for the month and divide it by monthly income. But I guess if there are no minimums............