Setting up an Authorized User. I have some Question.

[TyRacing]

@Harvey26  yes i was thinking of my BoA CR. and just wondering if she will be able to pick her own 3% category? or will share my 3% category?  

[aesl1982]

I’m an AU on my wife’s capital one cards. And they reporting to ex and tu. But not eq. Dunno why. Her report they report to all three

[RSX]

Does she have to get a card?

if you are trying to help her build credit, add her as an AU then keep the card your self

she will get the benefit without using the card

also. When adding an AU

1. Lowest Util card

2. Oldest card that falls in item 1

Dont add an AU to a card you use for BT or has over 30% util

[K-in-Boston]

@TyRacing  the AU card would have the same categories.  Actually, BoA AU cards are completely identical to the primary cards (account number, expiration date, CVV) other than the name on the card.  I don't have them in front of me, but I want to say that Chase and Citi AU cards are the same.  Certainly if one card is all that's needed and she has no other revolving cards on her reports, then the BoA would probably be the clear choice here since it has surpassed the 2 year mark.  Even if the utilization were fairly high on it, in most cases a profile having a revolving card with higher util vs not having a revolving card at all is going to benefit the person more.

@aesl1982  you may find this thread interesting as active AU accounts have begun disappearing for LauraC and I have also been going through the same thing with disappearing and reappearing AU accounts.

[TyRacing]

what about login... will she get her own login and be able to pay via online? or she would have to pay me? how does that work?

[K-in-Boston]

Very few lenders give AUs their own login.

American Express - AU can have online access, only sees their own charges and available credit, can make payments, can't touch rewards unless you specifically enable it.

Bank of America - no AU online access.

Chase - no AU online access.

Citi - nearly full AU access; can't request CLIs.

Discover - no AU online access.

Most store cards have no AU access (Citi Best Buy does and like regular Citi cards it's almost full access).  Not sure about any of the CUs.

[Raisondetre]

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@TyRacing wrote:

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@Raisondetre wrote:
I'm an AU on three Chase cards and it doesn't seem to report to Equifax, just TU and EX.

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have a different address from AU?

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Nope, we live at the same address.