So, want to add my kids as AUs to one of my cards to build their credit. Obviously not to premium cards that charge for AUs, as they won’t actually use them. Never done this before, so a couple of things I’m wondering about:
- is it better to add them to a card I use for everyday spending, so racks up more charges (I pay off every month), or better to use a card I use on occasion?
- Would it help to add them to more than one, and if so, is it beneficial for a second card to be from
a different issuer?
- I assume at least with Chase, where AUs share card number with the primary, that it doesn’t make a difference whether I sock drawer their physical cards and just use mine as I do today, or if it is beneficial to put a charge or two on their specific cards. Does it make a difference with an issuer like Cap1, where AUs get a different card number.
appreciate any insight.