My wife recently added me as an AU to 2 of her cards. A 6k AMEX Delta Gold with 0% util and 10k Cap 1 QS which she was recently approved for. My question is regarding the QS. We recently received the cards (they came in the same envelope), and my wife will be balance transferring $4,600 to take advantage of the 0% apr promotion. Will this recently added AU affect me negatively once the balance transfer happens? Should i just have her remove me before it starts to report or should I stay as a AU (both AU haven't begun to report yet as they are still very new)? I'm currently rebuilding my scores, other things reporting are a student loan in good standing reporting 102% util and a Chase CO that I hope to pay off later this year. I was recently approved for an unsecured Capital One platinum and a secured Discover It which I received in the mail this week and haven't started reporting yet. Thanks
I would ask to be removed as an AU on that one
for 2 reasons. It is new, so will drop your aging overall. 2 it will start at 46% util
wait until it is paid down below 29% then get added
i don’t add anyone to a BT use card.