Which Banks like AU accts?

[BearsAndTurtlesRtheBest]

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@Anonymous wrote:

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@longtime_lurker wrote:

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@BearsAndTurtlesRtheBest wrote:

Which banks dont take in consideration authorized user accounts when making a credit decision? 

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Chase, lol

I dunno about the rest

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From what I've been told Chase does consider AU chase accounts as part of their internal risk model if you are applying for a new account with them - but not other issuers.

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Ok so maybe they dont take it in consideration but it does help UTL which any bank can see right?

[BearsAndTurtlesRtheBest]

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@thelethargicage wrote:

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@BearsAndTurtlesRtheBest wrote:

Which banks dont take in consideration authorized user accounts when making a credit decision? 

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What happened to your Wells Fargo card?

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I still have it, my siggy is being fixed since im awaiitng for 2 responses.

[BearsAndTurtlesRtheBest]

@cold Yes correct altho they are low limits they will grow and eventually PC to another product in the future.

[jnc]

While on the phone with Discover today, I asked about just this and she said they do not take AU's into account.

My husband did just get approved for a Chase card though and he only had AU accounts on his reports. 

I think they just change their minds all the time and you just hope to get lucky

-C-

[BearsAndTurtlesRtheBest]

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@jnc wrote:

While on the phone with Discover today, I asked about just this and she said they do not take AU's into account.

My husband did just get approved for a Chase card though and he only had AU accounts on his reports. 

I think they just change their minds all the time and you just hope to get lucky

-C-

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Oh wow thanks for sharing!! Maybe the Utilization helps?

[coldnmn]

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@BearsAndTurtlesRtheBest wrote:

@cold Yes correct altho they are low limits they will grow and eventually PC to another product in the future.

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Good Luck with that plan!

[Anonymous]

So, only Chase?

What about Citi, Cap One, GE Capital..

I'm also wondering if there is a difference between a person with just AU accounts, and a person that has established good history in addition to a AU account? 

[Anonymous]

Citi takes them into account.  I started off two months ago with AMEX BCE (1K) and Navy Fed ($500).  In February, I got added as an AU on a 3 year Barclays card with a 10K limit.  I applied for Citi as soon as it hit my reports and Citi turned around and gave me 5K!

I then apped for another AMEX (only another 1K) and Cap One (Only $500) - so I would say Citi likes them (takes them into consideration) while AMEX and Cap One do not.

[Anonymous]

Any other banks? How does NFCU feel about AU accounts on your reports?

[DaveSignal]

NFCU will give you more credit than most other lenders, regardless of what is on your credit report.