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@Anonymous wrote:I'm not past begging...so hit up some family that had existing chase accounts and got myself added as an AU on an existing Chase card.
Now I will let that simmer for a few months and see if some offers come in
Taking the fishing approach to this and baiting that rod a bit.
Well, I dont think you did yourself any favors there
AU account is another additional new account. It doesn't matter when it was opened. If your CR is pulled, it will let the lender know when you were added. You're one account closer to 5/24, without getting any rewards yourself.
AU account will not make getting your own Chase card any easier
The limit on that account is going to be irrelevant to your situation because you're not responsible payments on that account.
If the utilization on that account goes up, it will affect you also.
Do you share the address with the primary account holder?
Ya, I share the address with the account and already help aid in paying house hold wages (it is for my disabled mom) So I know the utilization on the account is fine.
Additionally this will get me:
1. Payment History improvements
2. AAoA improvement
3. Credit Limit increase (will have a card in that $5000+ range)
I still have several 5/24 slots so I am fine in that regard.
Figured there was little way this would be a set back, and if it is I will get it removed.
Thanks!
how much did the au account inflate your real fico score? if you dont have decent income and a score 720+ generally you are looking at a low sl from chase
It hasn't reflected yet, but will let you know.
I apped 6/9-6/10 for the CSP, Chase approved me for the sapphire preferred a few days later - tuesday ish maybe for an 18,700 SL @22.24%(i think) and offered to expidite the card. My scores at that time were low 680's on EX & EQ. Im not sure how i got that high (to me) of an SL with a bank I've had no prior relationship with... I have recently read somewhere on here Chase does some factoring in of AU accounts and if thats the case I'm an AU on my GF's Southwest card it has a 5400 limit and currently we've ran almost 20k through it in about 4 months (the reason I think I got approved more and more after the Chase factoring in AU's comments I've seen here). I do have a collection due to fall off next month and it is on both the reports Chase pulled. If you do app and get approved, a word of caution, do not get trigger happy - I've read a ton on here about it Chase apparently has no issues closing the door on you if they dont like they see after they approve you (they'll preform SP's to see what you've been up to, Ive had 2 SP's since I apped for the CSP and I'm sweating a little but so far account is still open!).
@bourgogne wrote:how much did the au account inflate your real fico score? if you dont have decent income and a score 720+ generally you are looking at a low sl from chase
The AU account reported and raise my score by 24 points!
Just updating as I said I would