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Ok to end this my daughter told me she had a 746 score and wanted to know which Chase card to start with. She had been on one of our "free" two week cruises paid for by Chase and knew we had received great value from their cards. I never expected anything other than an auto-approval. Maybe we should have researched it better, but her older sister with a lower income was within the past year auto-approved for both the Freedom and United Explorer cards. Now that I think of it, her sister did have a Discover card and an auto lease payment so that must have made the difference.
I got my pseudo "pound of flesh" by selling my JPM stock this morning. It was a good day as the bank stocks were up with Goldman and BA reporting decent earnings. But those earnings were mostly based on a 10 year treasury yielding 50 basis points higher. With credit spreads tightening and the yield curve now pretty flat, banks will have a harder time making money by lending going forward. Anyway, I can rationalize that and smile about it and can always buy JPM back later when and if the stock price is lower. |
Surprised to hear that Chase does not report Authorized users. I know that Amex always did when my kids were little and I have recommended to many friends that they add their kids to their Amex accounts as soon as they are allowed to. Back in the day they didn't have a minimum age. It's always funny when my oldest son pulls his credit (he is 40 now) and it says his oldest account was opened almost 38 years ago. :)
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Originally Posted by damon88
(Post 30663417)
Surprised to hear that Chase does not report Authorized users. I know that Amex always did when my kids were little and I have recommended to many friends that they add their kids to their Amex accounts as soon as they are allowed to. Back in the day they didn't have a minimum age. It's always funny when my oldest son pulls his credit (he is 40 now) and it says his oldest account was opened almost 38 years ago. :)
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Originally Posted by Jaimito Cartero
(Post 30663540)
Chase does report some of them. I have a Chase Hyatt card, and my AU has been reported all along. |
Chase has reported all my AUs (and me as an AU on wife's cards). When you signup an AU on a Chase personal card, they don't take the SSN number, so the reporting is simply by name & address -- maybe something was missed due to that?
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My wife is an AU on my CSR. The only difference I’ve seen is that it seems that chase only reports to 1 bureau for my wife and both for me (Can’t are the 3rd because I use credit karma). PS is there anyway to get free access to the third one in a credit karma type setup? Can’t remember the name right now. |
Originally Posted by choff5507
(Post 30677619)
My wife is an AU on my CSR. The only difference I’ve seen is that it seems that chase only reports to 1 bureau for my wife and both for me (Can’t are the 3rd because I use credit karma). PS is there anyway to get free access to the third one in a credit karma type setup? Can’t remember the name right now. |
You can go to experian direct and get the score for free
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Lenders generally report to the credit bureaus, but are not required to do so. My wife’s AU card on her mother’s Freedom doesn’t report to Experian. Some credit score models disregard AU cards partially, if not completely, and FICO has by no means been consistent over the years. It is what it is. In short, there is no substitute for having your own cards. :) |
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