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Would I flourish, if I told my girl to add me to one of her high CL cards as an authorized user, to get more avaliable credit/history for myself?
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Would I flourish, if I told my girl to add me to one of her high CL cards as an authorized user, to get more avaliable credit/history for myself?
Would I flourish, if I told my girl to add me to one of her high CL cards as an authorized user, to get more avaliable credit/history for myself?
No.
Authorized user only means you have access to her credit.
It still all shows under her credit bureau only. Nothing will appear on yours so it won't affect % utilization, history or anything else.
I believe it does show on your report.You sure about that? They're not liable, but pretty sure it shows up on their credit report.
me credit score is 524 what should i do to get up? i dont have major debt besides owing 1500 unpaid medical bills
Anyone every request a CLI from discover and not hear back from them? I assume i didnt get approved because my limits the same and never got an email with an update or asking a hard pull. Been 2 weeks btw
Usually secured credit cards are the best option to get you started. Once you've been able to get your credit up into the 600s I would apply for the Discover IT.
Feel free to correct me if I am wrong.
Should i still request a cli next month? People tend to request monthly with discover right? Even if deniedYou should get a letter in the mail with the denial reason. If you don't see a change/get and email in like 4 days you were probably denied.
Should i still request a cli next month? People tend to request monthly with discover right? Even if denied
Nice! Alright cool I'll continue to request, reppedYea do it. It's a soft pull so no loss. I was pulling monthly until recently. I got up to $16k then just kind of stopped. I've gotten the denial reason "not enough experience with current limit" one month then requested the next month and got a $3k increase
Would I flourish, if I told my girl to add me to one of her high CL cards as an authorized user, to get more avaliable credit/history for myself?
No.
Authorized user only means you have access to her credit.
It still all shows under her credit bureau only. Nothing will appear on yours so it won't affect % utilization, history or anything else.
You sure about that? They're not liable, but pretty sure it shows up on their credit report.
You sure about that? They're not liable, but pretty sure it shows up on their credit report.
I believe it does show on your report.
I've looked into it and like another NTer said, it depends on the cc company. Some will report it, others won't.
Interest is factored into you balance , so it factors into your utilization.Is it a bad thing paying interest? Besides losing the money, being under the recommended utilization and all does it hit your score?
I've looked into it and like another NTer said, it depends on the cc company. Some will report it, others won't.
^^ With Chase it certainly does, That's why I was denied because I was an authorized user on 3 Cards and it showed up on my Credit report, they used Experian.
Yea I don't really care what the APR is because I always pay it off in full at the end of the month, come to think of it, I don't recall ever paying interest going back 5+ years.
What are some good credit cards that offer more than 1.5% cash back indefinitely and not just a promotion?
Currently, I am grandfathered in with my Mastercard where I get back 2% on all purchases, but I reached my annual spending cap in August, where I should be receiving $5k CB. Also got DiscoverIT to take advantage of the double cash back for the first year and the rotating 5% cash back, but my first year ends the first week of November. Should be getting $6k CB from that. Also carry my AMEX Gold.
Any other cc which offer decent CB? Much appreciated!
What are some good credit cards that offer more than 1.5% cash back indefinitely and not just a promotion?
Currently, I am grandfathered in with my Mastercard where I get back 2% on all purchases, but I reached my annual spending cap in August, where I should be receiving $5k CB. Also got DiscoverIT to take advantage of the double cash back for the first year and the rotating 5% cash back, but my first year ends the first week of November. Should be getting $6k CB from that. Also carry my AMEX Gold.
Any other cc which offer decent CB? Much appreciated!