Chase changes stuff all the time, so I could be wrong but I don’t think so.
I’m not aware of any restriction that prevents an AU to obtain that same card in their own name. Being an AU only gives you charging power. You aren’t responsible for the account at all and the account isn’t in your name.
While AU accounts can affect Chase’s 5/24 (5 new accounts in 24 months) for obtaining a card in your name.
Example: Your wife adds you as an AU to her CSR. You get a card issued in your name. You have opened 2 other accounts in the past 24 months. You are now at 3/24.
As long as you met the UW standards for the CSR, you would then be approved.
Since I don’t know how else to explain this. I will post another example to make my point.
Example 2: your wife has a CSR, she then adds you to her account and you get a card issued in your name. You have opened 4 other accounts in the past 24 months. This now puts you at 5/24.
You apply for the CSR, and meet all UW standards EXCEPT 5/24 so you are ultimately denied.
You were denied for 5/24 because the AU put you over the 5 account limit. It wasn’t because of you had a CSR AU card.
Chase looks at the tradeline and not the actual card product
https://thepointsguy.com/2016/01/authorized-users-sign-up-bonuses/
I’m not aware of any restriction that prevents an AU to obtain that same card in their own name. Being an AU only gives you charging power. You aren’t responsible for the account at all and the account isn’t in your name.
While AU accounts can affect Chase’s 5/24 (5 new accounts in 24 months) for obtaining a card in your name.
Example: Your wife adds you as an AU to her CSR. You get a card issued in your name. You have opened 2 other accounts in the past 24 months. You are now at 3/24.
As long as you met the UW standards for the CSR, you would then be approved.
Since I don’t know how else to explain this. I will post another example to make my point.
Example 2: your wife has a CSR, she then adds you to her account and you get a card issued in your name. You have opened 4 other accounts in the past 24 months. This now puts you at 5/24.
You apply for the CSR, and meet all UW standards EXCEPT 5/24 so you are ultimately denied.
You were denied for 5/24 because the AU put you over the 5 account limit. It wasn’t because of you had a CSR AU card.
Chase looks at the tradeline and not the actual card product
https://thepointsguy.com/2016/01/authorized-users-sign-up-bonuses/
Being an authorized user does not prevent you from being able to be the primary account holder on the same product. My CSP was recently upgraded to CSR, but DW was an AU on my CSP when she got hers and I am an AU on hers. I was an AU on her Slate (now CFU) when I got my own Slate (now closed). I continue to get "green check mark offers" (essentially guaranteed approvals) from Chase for the CFU even though I am an AU on DW's and DW continues to get those offers from Chase for the Freedom even though she is an AU on mine.
The only obstacles to a Chase card are your own credit profile and whether you have opened 5 or more credit cards (including any you have been added as an AU on) in the past 24 months for the cards that have that rule (all core cards and many of the cobranded ones).
If an AU tradeline puts you at 5/24, there have been numerous reports of them not considering that one upon reconsideration. YMMV.