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I am new to this forum and have a credit card question. I also have bad credit. If someone adds me to their card and the amount of credit is high but paid on time, will that hurt me or help? Should I get off their card? My new husband added me to his card. It's paid on time, but maxed it out because he lost his job. BUT, I have bad credit because of College Loans. Does this hurt to add me or hurt? Looks like hurt on my credit report. Thank you!
It will help if it gets pay down....
even if you get under 70% utilization
Welcome to the forums, feel free to read around, you will learn a lot!
It's few and far between. Being maxed out hurts your credit and lowers your score.. however, having an established tradeline ( open account for a long time ) along with being issued credit with a good payment history helps your score. In theory it's better than having no credit, but don't expect to get approved for much..
This really is my only cc now, since he put me on hoping it would help my fico score. Taking me off he thinks will not help m score that much. We are paying it down and of course on time. I just see different comments on equifax, trans and experian saying it helps and other one said it did not help