Authorized User and Unsecured...question

[Brooklyn2018]

Hi, Everyone!

Hope everyone’s hard work is paying off!!

So, my DW was approved for a CapOne unsecured SL $300. She had put me on as an AU. Now...if I app for a Secured cc and I put DW on as an AU, would that be ok? Would that look bad if it reports as “secured” or it wouldn’t matter?
The CapOne is just going on the 2nd billing cycle, soon to be the 3rd. It shouldn’t affect the AAoA since the account is so new, correct?
I know it would help with utilization but, would it look bad considering DW was approved for unsecured already? Or do you think it wouldn’t hurt? Oh, and would it matter if I put DW on a couple of Secured cards, would it still help? I kind of feel like I already know the answer to this...lol
Yes, it is DW ONLY cc, as we are still rebuilding.👍

TIA👍,

😊

[gdale6]

If she is getting unsecured cards I dont see a need for AU at this point on secured cards. Reporting wise its not going to matter much, its always better if one can stand on their own with the rebuild.

[Brooklyn2018]

Thanks gdale6

Kind of thought thaaaat but wasn’t super sure. That’s why I questioned it. Absolutely, that’s the goal! Start Secured and end up Unsecured. Appreciate it...👍

😊