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Question about authorized user

Established Member

Question about authorized user

Hello all!

So my wife and I were dumb in the past, and we both let our credit turn to crap. Over the past 9 months I've been on the up and up going from roughly a 495 average to a 650 averafe currently. Unfortunately, my wife's credit went the opposite way due to medical collections. I've added her as an authorized user on 2 of my cap one cards and her score has jumped over 80 pts! Heres my question, she's been "pre approved" for the same 2 cap one cards on her own. If she was to apply, would she get denied due to being an AU on the same two cards on my account?

Thanks in advance and thank you all for your enlightening stories and advice to show that we are not alone. I couldn't have done or known half of the things I do now if it wasn't for all of you!
Message 1 of 5
4 REPLIES
Senior Contributor

Re: Question about authorized user


@Thrice788 wrote:
Heres my question, she's been "pre approved" for the same 2 cap one cards on her own. If she was to apply, would she get denied due to being an AU on the same two cards on my account?

Not at all. Be aware though that per their application rules CapOne will only approve one card every six months so make sure she picks the one that will fit her spend.

FICO 08 Scores (Nov-18): TU 783, EQ 791, EX 771

Message 2 of 5
New Contributor

Re: Question about authorized user

My wife and I are in a similar situation but with the roles reversed. She has fair scores in the mid 600’s and is an AU on my cap 1 QS. I added her I think in February, and she was approved last week for a platinum with a 3k SL. She was also pre-approved through their site (pre approved for both platinum and QS). So I don’t think that her being an AU will be cause for decline. Good luck!
3/27/2018: EX 604 EQ 595 TU 585
CapOne QS $500 CapOne Plat $300

6/14/2018: EX 582 EQ 583 TU 603
Message 3 of 5
Community Leader
Legendary Contributor

Re: Question about authorized user

Was the pre-approval made based on the creditor having obtained a listing of consumers from a CRA after submission of screeing criteria to that CRA?

If an offer for credit is made based on a listing obtained from a CRA (i.e., a so-called "promotional offer" under FCRA 604(c)), then it is legally a "firm offer for credit" that must then be granted if the consumer applies and is found to still meet the screening criteria specified by the creditor in obtaining the listing.

All pre-approval offers are not equal.....

Message 4 of 5
Established Member

Re: Question about authorized user

She should be fine. My husband added me as an authorized user to his account about 9 months ago. Last week I was Pre-Approved for Quicksilver and Platinum. I chose a Platinum and was approved for $3k after getting the 7-10 day message.
Message 5 of 5