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Effects on Primary CardHolder when adding AU

Fated4Credit
Regular Contributor

Effects on Primary CardHolder when adding AU

I'm thinking about adding my sister to my 18 month old Cap One QS card in a few days & I want to know what effect that would have on me applying for the Chase FU in April 2019. I'm currently 2/24 so will adding my sister as an AU put me at 3/24 when I go to apply? I know chase factors in AU accounts, but not sure how that would show on my CR reports. Info in Siggy is current. Thanks for any advice.
Discover: $9600
Cap One QS: $1811
CFU: $4400
PPMC: $10,000
US Bank Cash+: $5000
AAOA: 2 yrs
Experian (fico 8) 787
Transunion (fico 8) 802
Equifax (fico 8) 784
Message 1 of 4
3 REPLIES 3
BrandonLane
Established Contributor

Re: Effects on Primary CardHolder when adding AU

Adding your sister as an AU has absolutely no effect on you applying for other cards.
Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 2 of 4
CreditInspired
Super Contributor

Re: Effects on Primary CardHolder when adding AU

Go for it OP. There’s no backlash to adding an AU.

FYI. The only thing that could create a problem for you is if she maxed out your card causing your UT to increase.

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 3 of 4
Fated4Credit
Regular Contributor

Re: Effects on Primary CardHolder when adding AU

My sister is really good at paying back whatever she charges to my card, so not really worried about that. The only thing I wonder is if i ever needed to will cap one let u send a spending limit to the AU card?
Discover: $9600
Cap One QS: $1811
CFU: $4400
PPMC: $10,000
US Bank Cash+: $5000
AAOA: 2 yrs
Experian (fico 8) 787
Transunion (fico 8) 802
Equifax (fico 8) 784
Message 4 of 4
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