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Too high CL as AU?

Established Member

Too high CL as AU?

I have my 18 year old son as an AU on 5 of my cards to establish come credit. The total is about $100k.

He has been able to get approved recently for Chase Freedom($2.5k) and AMEX BCE($2k) and USAA($500). At this point, should I take him off as an AU on all my cards?..Will this hurt is score by

decreasing his AAoA?  Will having a high CL as an AU on my cards limit his ability for future cards or CLI on his cards?  He is an AU user on my AMEX BCP, is there any reason to keep him as AU since he know has his on AMEX card?

What would you recommend??

Message 1 of 4
Super Contributor

Re: Too high CL as AU?

Just keep him on it. It won't harm you or him in any way as long as he doesn't go on a spending spree with your cards Smiley Tongue
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 2 of 4
Established Member

Re: Too high CL as AU?

any more opinions??

Message 3 of 4
New Contributor

Re: Too high CL as AU?

If the cards have decent lines the utilization would be helping his score.


Starting Score: 701
Current Score: EX-FICO701 EQ-FICO644 TU-FICO724 all lender pulls April 2nd 2013
Goal Score: 800

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Message 4 of 4