Originally Posted by
travelingmusician
Now my question is: if my wife applies for the same card (her score is in the mid 700s) would she be denied on the same grounds or does she have a shot at getting it? Because she is an authorized user, these cards and their respective limits, also appear on her credit report.
Impossible to say. Even though she's an AU on a couple of your accounts that doesn't mean that her credit is identical to yours. There are a number of other factors that affect one's credit.
Originally Posted by
travelingmusician
even though I've never held a balance
That's just one factor that goes into their evaluation. It's not a make-or-break matter in and of itself. I've received CLI's while carrying balances (on intro offers).
Originally Posted by
maddie5218
Chase won't show up on her credit report because they don't take SS#.
Incorrect and whether or not SS is requested doesn't determine whether an account reports for an AU. Chase certainly does report for AU's.