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I have 2 credit cards and 1 authorized user card reporting on my credit; its been 6 months now. So does that mean i have 3 credit cards reporting which is what i need for rebuilding? Or does the authorizied user account not qualify as the 3rd card? I am pre approved with capital one and mission lane and synchrony if i need a third card so just asking. Thank you so much!
@username2840 wrote:I have 2 credit cards and 1 authorized user card reporting on my credit; its been 6 months now. So does that mean i have 3 credit cards reporting which is what i need for rebuilding? Or does the authorizied user account not qualify as the 3rd card? I am pre approved with capital one and mission lane and synchrony if i need a third card so just asking. Thank you so much!
you'll want a third card of your own, but don't rush out to get a card that is not good to get there. if something good is available, consider adding it, otherwise, two is fine for now.
I would check out the terms of the Capital One approval you have as they have some good rewards programs. As long as there are no annual fees that you would not earn more than the cost of annually, I would go for a third card of your own versus just the authorized user card as @GZG suggested.