Last week my wife applied for a HSBC/Orchard Bank card and was approved. On Monday she received the card and after calling in to activate the card she began to set up the on line access and request an authorized user card, for yours truly. There wasn't any where on the site to request an AU so she sent them an email inquiring about it. The response was that authorized users were not being accepted for this account but they could set up a joint account.
My first thought is that it's connected to the new FICO scoring model that disallows AU's and they are shutting them off now in anticipation of the new model going into effect.
Anyone have any ideas?
FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)
EX=738
EQ=735
TU=754
FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739