Discover AU question

IcyCool7227 · ‎08-18-2023

I am currently an AU on my roommates Discover It cashback card. If I want my own card that's the cashback one only with 5%, then would I have to remove myself as an AU first? Or when I get pre approved can I apply snd remove myself as an AU later?

As of: 1/10/25:
EQ: 798 (prev. 794 on 12/19/24; prev. 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 769 (prev. 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 768 (prev. 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Old TU - Credit Karma: 806 (prev. 782 on 12/19/24; prev. 759 on 7/1/24; 748 on 2/6/24; 744 on 1/26/24; 689 on 1/7/24 ; 654 in April 2023) - CreditKarma

Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One SavorOne Cash Rewards: $3,300
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,500
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.

FireMedic1 · ‎08-19-2023

Your not the primary cardholder. Just piggy backing. To play it safe. Get removed. Apply.

TWO MORE MONTHS NO BK! (on Eq/Ex)

JoeRockhead · ‎08-19-2023

I've done it both ways in the past. If my memory serves I mostly did it after my own approval, and on two cards (not in my siggy) I'm still an AU on. You could probably do it either way and it would be fine. Being this isnt your spouse, I'd recommend removal one way or another. Best of luck, hope you get that approval.