Hi everyone,

I just recently did a credit check and noticed there were two Citi cards that weren't mine on the report. As it turns out, they were my wife's cards (the Citi Visa and Amex 75k offers). When I called Citi, I was informed that even though I am not the primary cardholder, or the person that signed up for the card, the card will remain on my report since I am an authorized user.

I didn't have the opportunity to sign up for the Citi 75k offers back then, but was interested in trying soon.

Anyone know the effect of having "authorized user" accounts on the credit report for signing up? Will Citi know they aren't actually my accounts or chances are I'll get dinged by Citi with having these accounts already.

Appreciate any past experiences or advice.

Thank you.