Advice on AU add

[Anonymous]

Was wanting to get some advice on being added as an authorized user. I started working on my credit hard back in January and have raised my score over 100 points. I got my first CC in years a couple of months ago with a $600. Limit. I have a new Discover with $9,000 and a Capital One with $500 coming any day. 

Question is my mother is offering to add me to a BOA card as an AU. It's appox 10 years old with perfect payment history and a $25,000 limit. However it currently has a $2,000 balance.  Would this benefit me at all? Or possibly hurt my score? Any help would be appreciated.  

[CH-7-Mission-Accomplished]

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@Anonymous wrote:

Was wanting to get some advice on being added as an authorized user. I started working on my credit hard back in January and have raised my score over 100 points. I got my first CC in years a couple of months ago with a $600. Limit. I have a new Discover with $9,000 and a Capital One with $500 coming any day. 

Question is my mother is offering to add me to a BOA card as an AU. It's appox 10 years old with perfect payment history and a $25,000 limit. However it currently has a $2,000 balance.  Would this benefit me at all? Or possibly hurt my score? Any help would be appreciated.  

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You should jump on that offer.   Her card balance is under 10% which is fine.   Getting this AU will help your scores.

[TampaBAY86]

It should definitely help your score. The only ways I can think that it would hurt your score: (1) if she is posting high utilization, or (2) if 10 years will affect your AAoA negatively (which sounds unlikely).

[Anonymous]

Ok that's what I needed to know.  Making sure there's no downside I'm not considering.  Thanks for the replies.  

[FlaDude]

Worst case, you can always get removed as an AU, but I agree with the others, it is likely to help your scores.