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Yes Chase count AU accounts as a NEW ACCOUNT and it will disqualify for CSP . Your RECENT lates alone will most
likely disqualify you also. I wouldn't get added as AU on her cards. What's the point ? Is this suppose to be a "oh let me make it up to you"
( for you paying off my debt and forgetting to pay your own bills)
your choice , but no need to when you have your own accounts established.