My God, enough of the self-righteousness bantering.
You are reading too much into this.
Allow me to explain:
When I stated, "My wife could get the Chase Trifecta and add me as an AU."
What I meant was, her "POTENTIAL" credit is far better than mine and just by adding a tradeline or two or three and managing them properly, then she is in a better position to obtain Chase's trifecta.
I already have five secured credit cards, two credit-builder loans from two different local credit unions and a Self Lender loan, and my credit increase 178 point in just under seven months, and that's with numerous(17) students loans and a three-year old $2015.00 fradulant medical bill, from a medical billing company who goofed up and billed the wrong insurance, an insurance company I never told them I had and then refuse to bill my insurance company until it was too late, then three years later, they sent it to collections.
The point is, I'm already over Chase's 5/24 rule and being that my wife only has a five year old cell phone bill, and a thin file, that with just a little effort her credit would skyrocket, therefore getting her feet into Chase's 5/24 door, get the Freedom, Freedom Unlimited and their Marriot card since we travel a lot.
Even, if I didn't express that, you jumping to conclusion is unwarranted.
