Topic Wiki

AU Random Info

99 AU's free:
SPG Personal
SPG Biz
EDP
EDNP (non pref)
Blue Sky
Blue Cash Everyday
Blue for Business
Delta Personal
Delta Biz
BRG (add as green au's)
Plat Biz (add as green au's)
Green Biz

PRG is 5 AU's free..
Green Personal is 5 AU free the first year, after that its $30..

Jetblue?
Plum?
Plenti?
Costco?
Hilton Honors?
Mercedes Benz = $175 for 3 AU's
Serve = 4 AU's
Bluebird = 4 AU's

Do not add yourself as an AU with your SSN, it will come up on your credit report as a new account.

Author Topic: Authorized users  (Read 146300 times)

Offline MisterHock

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2010
  • Posts: 453
  • Total likes: 0
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
  • Location: NYC
Re: Authorized users
« Reply #15 on: August 11, 2010, 02:20:34 PM »
what about if it is not low-utilization?
thanks

Offline AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 20519
  • Total likes: 109
  • DansDeals.com Hat Tips 73
    • View Profile
Re: Authorized users
« Reply #16 on: August 11, 2010, 03:26:23 PM »
what about if it is not low-utilization?
thanks

I'm no expert, sorry.
PGF24BMGS

Offline MisterHock

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2010
  • Posts: 453
  • Total likes: 0
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
  • Location: NYC
Re: Authorized users
« Reply #17 on: August 11, 2010, 03:33:02 PM »
thanks for all your help though....
if anyone else is able to help, i would appreciate it
thanks

Offline AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 20519
  • Total likes: 109
  • DansDeals.com Hat Tips 73
    • View Profile
Re: Authorized users
« Reply #18 on: August 11, 2010, 03:38:37 PM »
thanks for all your help though....
if anyone else is able to help, i would appreciate it
thanks

Why don't you get a look at your report/score/analysis and see how it shows?
PGF24BMGS

Offline MisterHock

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2010
  • Posts: 453
  • Total likes: 0
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
  • Location: NYC
Re: Authorized users
« Reply #19 on: August 11, 2010, 03:45:51 PM »
i am doing that right now and just want to hear from some people
what they think before i do anything

Offline AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 20519
  • Total likes: 109
  • DansDeals.com Hat Tips 73
    • View Profile
Re: Authorized users
« Reply #20 on: August 11, 2010, 03:49:31 PM »
i am doing that right now and just want to hear from some people
what they think before i do anything


How does it show on your report? Does the service you're using give you an analysis of derogatory items on your report? Does that section show high utilization or debt?
PGF24BMGS

Offline MisterHock

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2010
  • Posts: 453
  • Total likes: 0
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
  • Location: NYC
Re: Authorized users
« Reply #21 on: August 11, 2010, 07:42:29 PM »
yes it shows debt, but it would show debt if its 1 or 100g.
my question is how bad is that and is it worth it be be
removed as a card holder from that account.
thanks for all the help btw!

Offline AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 20519
  • Total likes: 109
  • DansDeals.com Hat Tips 73
    • View Profile
Re: Authorized users
« Reply #22 on: August 11, 2010, 07:46:07 PM »
yes it shows debt, but it would show debt if its 1 or 100g.
my question is how bad is that and is it worth it be be
removed as a card holder from that account.
thanks for all the help btw!

I don't think CC companies have an issue with debt per-se, it's how they make money. They have issues with risk, so utilization and/or late payments make them wary. It's really hard to tell whether it's better to keep it or drop it, I'm pretty certain the answer varies by lender and what they look for on your report.
PGF24BMGS

Offline mancunian

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jul 2008
  • Posts: 1227
  • Total likes: 3
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: Authorized users
« Reply #23 on: August 11, 2010, 07:48:08 PM »
I don't think CC companies have an issue with debt per-se, it's how they make money. They have issues with risk, so utilization and/or late payments make them wary. It's really hard to tell whether it's better to keep it or drop it, I'm pretty certain the answer varies by lender and what they look for on your report.

and your specific circumstances. what is the % of utilization on that card? overall? if you dont mind getting specific.

Offline MisterHock

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2010
  • Posts: 453
  • Total likes: 0
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
  • Location: NYC
Re: Authorized users
« Reply #24 on: August 11, 2010, 08:01:44 PM »
and your specific circumstances. what is the % of utilization on that card? overall? if you dont mind getting specific.
its over 50% but i really cant be any more specific, sry

Offline mancunian

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jul 2008
  • Posts: 1227
  • Total likes: 3
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: Authorized users
« Reply #25 on: August 11, 2010, 11:03:47 PM »
sometimes its clear whats afffecting your score, if its low and theres only a few suspects as to why.

if the balance fluctuates you can watch it for a few months and see what the affect is. even if it fluctuates only a few percent, if its weighing it down you should see some difference in the score which will give you an idea as to how much a big balance decrease would affect.

Offline myb821

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2011
  • Posts: 7397
  • Total likes: 2
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
adding authorized user
« Reply #26 on: March 24, 2011, 11:11:13 AM »
when adding an authorized user to an account and give their ss# do they get a hard pull on their credit

Offline AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 20519
  • Total likes: 109
  • DansDeals.com Hat Tips 73
    • View Profile
Re: adding authorized user
« Reply #27 on: March 24, 2011, 01:36:14 PM »
when adding an authorized user to an account and give their ss# do they get a hard pull on their credit

As an AU, no. As a joint account-holder, yes.
PGF24BMGS

Offline myb821

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2011
  • Posts: 7397
  • Total likes: 2
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
Re: adding authorized user
« Reply #28 on: March 24, 2011, 02:25:26 PM »
As an AU, no. As a joint account-holder, yes.
So if when I'm applying I add an au it will only pull on my credit and not the au correct

Offline AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 20519
  • Total likes: 109
  • DansDeals.com Hat Tips 73
    • View Profile
Re: adding authorized user
« Reply #29 on: March 24, 2011, 02:26:41 PM »
So if when I'm applying I add an au it will only pull on my credit and not the au correct

Yes. With some cards you don't even the the AU's SSN to add them (though that makes it less likely that they'll benefit from your credit history).
PGF24BMGS