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99 AU's free:
SPG Personal
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Blue Cash Everyday
Blue for Business
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PRG is 5 AU's free..
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Jetblue?
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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 402662 times)

Offline AsherO

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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?
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Offline MisterHock

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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

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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.
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Offline mancunian

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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

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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

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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

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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

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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.
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Offline myb821

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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

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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).
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Offline karen

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Re: adding authorized user
« Reply #30 on: March 25, 2011, 09:37:24 AM »
When you cancel the main card, will all the authorized cards be automatically canceled ?

Offline elikay

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Re: adding authorized user
« Reply #31 on: March 25, 2011, 11:05:42 AM »
@karen
yes

Offline shach

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Re: adding authorized user
« Reply #32 on: March 25, 2011, 11:10:30 AM »
So if when I'm applying I add an au it will only pull on my credit and not the au correct
amex asks for birth-date and has the option for SSN. as far as cc covered car rental insurance does an exact birth-date make a difference?(the rental companies certainly accept it the question is if u are really covered)

Offline lcyitz

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Re: Authorized users
« Reply #33 on: April 19, 2012, 02:50:49 PM »
I added my friend as an autherized user with citi around 2-3 months ago ( he never had a cc but he has tried for a few)

did the 2-3 months help him enough to apply for his own now?

Offline oldguy

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Re: Authorized users
« Reply #34 on: April 19, 2012, 03:06:48 PM »
i am doing that right now and just want to hear from some people
what they think before i do anything
I was a authorized user for a card that had a lot of debt and i got declined because of it but i kept it because it inflated my credit history by 3x but in the end it didn't even help me because when i got A/A'd by chase they told me that i only have 6 years real CH and the rest is just inflated.

Offline lcyitz

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Re: Authorized users
« Reply #35 on: April 19, 2012, 03:14:58 PM »
i heard citi looks at an au differently 

Offline meshugener

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Re: Authorized users
« Reply #36 on: April 19, 2012, 03:34:22 PM »
Yes, Chase don't recognize authorized users at all. The only way it should work with Chase is being a joint cardholder. (BTW, Citi don't allow joint cardholders anymore).
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Offline lcyitz

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Re: Authorized users
« Reply #37 on: April 19, 2012, 03:36:54 PM »
I made my friend an au on citi not a joint.....

Offline meshugener

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Re: Authorized users
« Reply #38 on: April 19, 2012, 03:38:53 PM »
Am saying it wont help him when applying (or A/Ad) with Chase.
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Offline lcyitz

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Re: Authorized users
« Reply #39 on: April 19, 2012, 03:45:59 PM »
but would it help with a citi card?

either way he applied today for a citi forward and they said he will get an email within the next week with a response.