AU User Question.

[racer-x]

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@Anonymous wrote:

Awesome...  he got approved for the Amex, but we don't know the limit yet.  Will know when the card gets here.

Just got off the phone with a Cap 1 EO too - they're trying to convert one of my QS1 MC's into a QS Visa.    

This is addictive, and every phone rep I've spoken to has been exceedingly nice!

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You can call AMEX to get the CL.  I think it's an automated system that will tell you.

[takeshi74]

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@Anonymous wrote:

I'm curious.  If you're added as an Authorized User on an account with a higher line of credit, does that help encourage banks to give you a higher line of credit?

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Limits are factored into utilization but creditors do not simply match limits.

Keep in mind that not all creditors and scoring models consider accounts where one is an AU.

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@Anonymous wrote:

After being on those cards for 6-12 months, do you think it might help my existing cards get higher boosts than they may have otherwise gotten on their own with a good history? 

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It really depends on the overall outcome of your credit.  It's not must a matter of being an AU on a line with X limit for Y time.  All we can really say is that it may help in some cases but you still need to focus on building your own tradelines.