Originally Posted by
tzoom84
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.
It helps to be an authorized user on someone else's account if you have never had much credit...this will lead to you getting offers. As far as signups go, it has little effect. You can get a card for yourself and they dont care if your an authorized user on another account. It doesnt count as a plus on your credit report, as it is technically not your account. Although I wouldnt want to be paying late or have a high balance on those cards. Citi will know these are not your accounts and as long as you are creditworthy they will give you your own cards. Then I would suggest you cancel the other cards.