First card with no history except AU for 3 months?

[Anonymous]

I have my sister as an AU on my two cards with the highest limits, so she has 1% utilization with 720+ CK scores. I'd like to have her apply for her own cards eventually, but is 3 months too little history as an AU even with those scores? I know she could try for a card like the Discover IT, but I was looking for something with a bonus, like Amex PRG (are charge cards easier?) or Citi TY Preferred. 

[vanillabean]

AU history doesn't matter much, except maybe she can skip the initial step of a secured card. Try a credit union. She needs income! Does she have other credit such as installment loans? I assume her Chex is clean.

[Anonymous]

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@Anonymous wrote:

I have my sister as an AU on my two cards with the highest limits, so she has 1% utilization with 720+ CK scores. I'd like to have her apply for her own cards eventually, but is 3 months too little history as an AU even with those scores? I know she could try for a card like the Discover IT, but I was looking for something with a bonus, like Amex PRG (are charge cards easier?) or Citi TY Preferred. 

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What are the cards you rolled over, how old are they, and what are the credit limits?

All your history should be showing. I rebuilt my file a DW's blank files using brand new au cards off my elderly mom.  Au history IS a big deal, some lenders more than others. I got Discover preapproved as a first card with a file with 3 au cards.  Then Bloomingdale's instantly before Discover showed up with a $1500 limit and Costco Am Ex and BBVA. My limits just on those 3 cards is $23,500.

My DW got a PRG and ED back to back ($2500 ED) and Neiman Marcus in store with a $700 limit as her first cards not au's,

Have her test the waters first by going to Macy's (in store NOT on line) and app for Macy's AmEx or store card.

Then she could try the PRG and ED back to back on line if she is approved for the first one she tries for. 

Have her check the prequal sites from there on.

[vanillabean]

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@Anonymous wrote:

Au history IS a big deal, some lenders more than others.

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Did the lenders explicitly say so?

[Anonymous]

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@Anonymous wrote:

I have my sister as an AU on my two cards with the highest limits, so she has 1% utilization with 720+ CK scores. I'd like to have her apply for her own cards eventually, but is 3 months too little history as an AU even with those scores? I know she could try for a card like the Discover IT, but I was looking for something with a bonus, like Amex PRG (are charge cards easier?) or Citi TY Preferred. 

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Citi is relly unlikely. Pretty strict about the one year credit history rule.

Amex PRG is pretty promising. Go to the site and try the pre approve. Amex like to give non-Amex customer really really high sign up bonus.

Yes, also Discover It.

[Anonymous]

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@Anonymous-own-fico wrote:

AU history doesn't matter much, except maybe she can skip the initial step of a secured card. Try a credit union. She needs income! Does she have other credit such as installment loans? I assume her Chex is clean.

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I have to disagree with this statement.  Authorize users are very important in helpting one establish credit history. To backup up what I am saying with a quick research and to validify, here is a quick from a valid source - Huffingtonpost

http://www.huffingtonpost.com/creditsesamecom/how-does-being-an-authori_b_5946054.html

I hope this clarifies things a bit for all...

[chalupaman]

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@Anonymous wrote:

I have my sister as an AU on my two cards with the highest limits, so she has 1% utilization with 720+ CK scores. I'd like to have her apply for her own cards eventually, but is 3 months too little history as an AU even with those scores? I know she could try for a card like the Discover IT, but I was looking for something with a bonus, like Amex PRG (are charge cards easier?) or Citi TY Preferred. 

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I think she could try Amex in three more months. Some people have said that they actually do take AU history into account. 

If she can't do that, the student card or secured card route might be the way to go.

[Anonymous]

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@Anonymous wrote:

I have my sister as an AU on my two cards with the highest limits, so she has 1% utilization with 720+ CK scores. I'd like to have her apply for her own cards eventually, but is 3 months too little history as an AU even with those scores? I know she could try for a card like the Discover IT, but I was looking for something with a bonus, like Amex PRG (are charge cards easier?) or Citi TY Preferred. 

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3 months of history is small but Amex likes pretty thin files.  I'd have her take her chances with the Amex PRG instead of CIti TY Preferred. 

[vanillabean]

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@Anonymous wrote:

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@Anonymous-own-fico wrote:

AU history doesn't matter much, except maybe she can skip the initial step of a secured card. Try a credit union. She needs income! Does she have other credit such as installment loans? I assume her Chex is clean.

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I have to disagree with this statement.  Authorize users are very important in helpting one establish credit history. To backup up what I am saying with a quick research and to validify, here is a quick from a valid source - Huffingtonpost

http://www.huffingtonpost.com/creditsesamecom/how-does-being-an-authori_b_5946054.html

I hope this clarifies things a bit for all...

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I don't actually disagree with what Ulzheimer is saying here ( and I don't think I have ever disagreed with anything that he has said). But in the article it's almost all FICO 04 and very little lenders.

How about this article? "FICO's Watts cautions young adults that there is no quick fix to good credit and building a good credit history takes time. The point and purpose of adding someone (or of being added) to a credit card as an authorized user or co-signer should be access to credit, not manipulation of one's credit history or credit rating," according to Watts."

[Anonymous]

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@Anonymous-own-fico wrote:

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@Anonymous wrote:

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@Anonymous-own-fico wrote:

AU history doesn't matter much, except maybe she can skip the initial step of a secured card. Try a credit union. She needs income! Does she have other credit such as installment loans? I assume her Chex is clean.

---

I have to disagree with this statement.  Authorize users are very important in helpting one establish credit history. To backup up what I am saying with a quick research and to validify, here is a quick from a valid source - Huffingtonpost

http://www.huffingtonpost.com/creditsesamecom/how-does-being-an-authori_b_5946054.html

I hope this clarifies things a bit for all...

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I don't actually disagree with what Ulzheimer is saying here ( and I don't think I have ever disagreed with anything that he has said). But in the article it's almost all FICO 04 and very little lenders.

How about this article? "FICO's Watts cautions young adults that there is no quick fix to good credit and building a good credit history takes time. The point and purpose of adding someone (or of being added) to a credit card as an authorized user or co-signer should be access to credit, not manipulation of one's credit history or credit rating," according to Watts."

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Thanks for the article.. This-"FICO's Watts cautions young adults that there is no quick fix to good credit and building a good credit history takes time. The point and purpose of adding someone (or of being added) to a credit card as an authorized user or co-signer should be access to credit, not manipulation of one's credit history or credit rating," according to Watts."

Adding someone as AU is letting them have the same right and access to a credit card.  What I am disagreeing to in your post is "saying AU history doesn't matter" and my clarification is it does..

But to get back to the topic asked by OP, I think the AU should be able to get an Amex charge card with a thin file...