Originally Posted by
kst2
Would being an authorized user affect her new application? Would it be better if I took her off my account before she applies?
Being an AU won't affect her app in any way.
The only thing being an AU ever affects is with an AMEX card, where they notify the CB that you have a new cc issued. Even then it's not a HP, just listed as a new issue, which would only matter if someone was looking closely at your Credit History during an app.
And only AMEX does that, Citi, Chase, Barclays don't even ask for a SS# for an AU card. So no worries for her there. The more important issues are her short length of CH, and having the two cards already. Depending on income, and Credit Rating, those may or may not affect her app. But since this card is going away soon, and she has so few HPs at this point, I'd say definitely apply before Jan 18th.