Author Topic: Credit Cards for Newborns  (Read 898 times)

Offline chuckfinley

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Credit Cards for Newborns
« on: May 13, 2019, 08:09:01 PM »
Hi,

This could be a stupid question. I don't know if this is even a thing but can I add my newborn as an authorized user to my credit cards just so that he can build history? Or Is this a stupid question?

If not for a newborn, at what age is good to add your child?

Offline greathummer7

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Re: Credit Cards for Newborns
« Reply #1 on: May 13, 2019, 08:12:01 PM »
Hi,

This could be a stupid question. I don't know if this is even a thing but can I add my newborn as an authorized user to my credit cards just so that he can build history? Or Is this a stupid question?

If not for a newborn, at what age is good to add your child?

Not at all. Cards like Chase and Citi do not require SSN so in theory can be added any time. sock draw the card as soon as they arrive.

Offline regolife

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Re: Credit Cards for Newborns
« Reply #2 on: May 13, 2019, 08:57:16 PM »
I've done this w/ several Chase cards, though the rep had to check with a manager.

Amex requires additional users to be at least 13.

Offline greathummer7

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Re: Credit Cards for Newborns
« Reply #3 on: May 13, 2019, 08:58:19 PM »
I've done this w/ several Chase cards, though the rep had to check with a manager.

Amex requires additional users to be at least 13.

Could just add AUs via website self service. Agents ask too many questions.

Offline Mo2

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Re: Credit Cards for Newborns
« Reply #4 on: May 13, 2019, 09:58:30 PM »
Isn't newborn a lil too early?
You still have many years to build the newborn's credit.
And don't forget that if something negatively happens to your credit it'll effect the newborn's too
Common sense is not common enough

Offline chuckfinley

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Re: Credit Cards for Newborns
« Reply #5 on: May 13, 2019, 10:13:34 PM »
Isn't newborn a lil too early?
You still have many years to build the newborn's credit.
And don't forget that if something negatively happens to your credit it'll effect the newborn's too

I don't think that's how it works. I believe it just takes the credit age

Offline ludmila

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Re: Credit Cards for Newborns
« Reply #6 on: May 14, 2019, 02:25:03 AM »
Isn't newborn a lil too early?
You still have many years to build the newborn's credit.
And don't forget that if something negatively happens to your credit it'll effect the newborn's too
No, AUs are not responsible .
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Offline lubaby

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Re: Credit Cards for Newborns
« Reply #7 on: May 14, 2019, 07:11:13 AM »
Not at all. Cards like Chase and Citi do not require SSN so in theory can be added any time. sock draw the card as soon as they arrive.
Wouldnít a AU added without SSN not count as history since itís not actually linked to the person you want it to? Itís just a card with a name. You can write Mickey Mouse on the card for all they care.
Once the game is over, the king and the pawn go back in the same box.

Offline chuckfinley

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Re: Credit Cards for Newborns
« Reply #8 on: May 14, 2019, 08:22:00 AM »
Wouldnít a AU added without SSN not count as history since itís not actually linked to the person you want it to? Itís just a card with a name. You can write Mickey Mouse on the card for all they care.

That's true but I heard if you want it to count then call and give them the social so it can link

@Dan any say on this?
I think this is an I interesting  topic you should cover

Offline as2

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Re: Credit Cards for Newborns
« Reply #9 on: May 14, 2019, 10:39:55 AM »
Wouldnít a AU added without SSN not count as history since itís not actually linked to the person you want it to? Itís just a card with a name. You can write Mickey Mouse on the card for all they care.
-1. I've added people to chase cards without SSN, and it was added to their report.
Memories last forever, make them while you can.

Offline chuckfinley

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Re: Credit Cards for Newborns
« Reply #10 on: May 14, 2019, 11:02:38 AM »
-1. I've added people to chase cards without SSN, and it was added to their report.

How could we verify that it goes on the Childs report? My son and my father have the same exact name.




Offline as2

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Re: Credit Cards for Newborns
« Reply #11 on: May 14, 2019, 11:05:02 AM »
How could we verify that it goes on the Childs report? My son and my father have the same exact name.
I believe they do it by name and address. IIRC I was told that by a CSR once.
Memories last forever, make them while you can.

Offline farmbochur

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Re: Credit Cards for Newborns
« Reply #12 on: May 14, 2019, 11:07:30 AM »
-1. I've added people to chase cards without SSN, and it was added to their report.
+1 for amex
Risk is opportunity

Offline Mo2

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Re: Credit Cards for Newborns
« Reply #13 on: May 20, 2019, 12:45:08 PM »
No, AUs are not responsible .
I've heard stories of it effecting AU's score.

Like here:
Bad news I'm at 625 :( cause I was an AU on a seriously delinquent account. Any way to fix?
Common sense is not common enough