Will Chase count additional users towards 5/24 if I don't provide SSN
Mar 14, 2016, 2:21 pm
#1
Original Poster
Join Date: Apr 2001
Location: Boston, MA
Programs: Hilton Gold, SPG Gold, CC Gold, UA Silver
Posts: 433
Will Chase count additional users towards 5/24 if I don't provide SSN
Looking ahead to future credit card strategies.
Whenever I apply for additional card for wife via Chase, Citi or Amex, I usually don't have to give SSN.
Wondering if Chase will track additional users if i don't provide SSN for additional card holders. Hoping to save future apps for Chase products.
Thanks
Whenever I apply for additional card for wife via Chase, Citi or Amex, I usually don't have to give SSN.
Wondering if Chase will track additional users if i don't provide SSN for additional card holders. Hoping to save future apps for Chase products.
Thanks
Mar 15, 2016, 8:37 am
#4
Original Poster
Join Date: Apr 2001
Location: Boston, MA
Programs: Hilton Gold, SPG Gold, CC Gold, UA Silver
Posts: 433
Actually I was wondering more about the additional users.
For example, my wife is the primary card holder and I am secondary on two of her cards. I don't want Chase to ding me as having an account open and count towards the 5/24 rule. Thanks
For example, my wife is the primary card holder and I am secondary on two of her cards. I don't want Chase to ding me as having an account open and count towards the 5/24 rule. Thanks
Mar 15, 2016, 6:39 pm
#6
Join Date: Nov 2015
Location: FL, USA
Programs: AA Plat, Hyatt Explorist, Hilton Diamond, IHG Plat, Marriot Gold
Posts: 1,666
Mar 15, 2016, 6:57 pm
#7
Join Date: Mar 2015
Location: SEA
Programs: AS MVP , Delta Gold Medallion, "Credit Card" status for various hotels
Posts: 672
Mar 15, 2016, 10:20 pm
#8
Join Date: May 2015
Posts: 38
Don't ask me how they do it but it will almost always (I'm sure there is an exception but they are rare) end up on your credit report even if you don't give your Ssn. It will state authorized user instead of individual account and it is possible to get chase to reconsider you app if you are still ok under their 5/25 rule without the au accounts but you will be denied initially. Of course there is never a 100% answer with any of these questions but from most evidence you can expect this scenario.
Mar 16, 2016, 12:37 pm
#10
Join Date: Sep 2015
Location: Chicago
Posts: 244
I used to work in IT at a major utility. Most people would refuse to give us their SSN. It didn't matter. We'd put their info in and ping the credit reporting agency and then we'd have their SSN anyway.
Mar 17, 2016, 5:05 pm
#15
Join Date: Nov 2015
Location: FL, USA
Programs: AA Plat, Hyatt Explorist, Hilton Diamond, IHG Plat, Marriot Gold
Posts: 1,666
