Adding an authorized user: Do/don't do it?
Jan 3, 2023 | 8:19 am
#1
Original Poster
Join Date: Nov 2011
Location: Iowa
Posts: 778
Adding an authorized user: Do/don't do it?
I have the Chase Ink Business Unlimited. Is there any benefit or drawback to adding an authorized user to the account if I'm sure that the balance will not exceed the credit limit nor will the monthly payment be missed.
For example, does it affect the primary or authorized user's credit report?
thanks
For example, does it affect the primary or authorized user's credit report?
thanks
Jan 3, 2023 | 1:26 pm
#2
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA, IHG & Marriott Platinum; DL & HH Gold
Posts: 51,863
INK is a business account. You would add an employee account. Business cards do not report to personal credit bureaus, unless the primary cardholder defaults.
Jan 3, 2023 | 1:57 pm
#3
Join Date: May 2022
Posts: 3,098
I never historically added authorized users to my cards since it shows on the credit report for the other person and do not want that affecting approval chances. I was having an issue with P2's Bold card being used for GCs at the supermarket for bonus points, so I decided to at myself as an authorized user since the credit limit was low. I was shocked they did not ask me for SSN and it did not get reported on my credit report
Jan 4, 2023 | 3:07 pm
#4
Original Poster
Join Date: Nov 2011
Location: Iowa
Posts: 778
I have the Chase Ink Business Unlimited. Is there any benefit or drawback to adding an employee to the account if I'm sure that the balance will not exceed the credit limit nor will the monthly payment be missed.
For example, does it affect the primary or employees user's credit report or rating?
How much information does Chase require for adding an employee account? Will they ask for the age of the employee--which is 17.
thanks
For example, does it affect the primary or employees user's credit report or rating?
How much information does Chase require for adding an employee account? Will they ask for the age of the employee--which is 17.
thanks
Jan 4, 2023 | 7:25 pm
#5
Join Date: May 2022
Posts: 3,098
I have the Chase Ink Business Unlimited. Is there any benefit or drawback to adding an employee to the account if I'm sure that the balance will not exceed the credit limit nor will the monthly payment be missed.
For example, does it affect the primary or employees user's credit report or rating?
How much information does Chase require for adding an employee account? Will they ask for the age of the employee--which is 17.
thanks
For example, does it affect the primary or employees user's credit report or rating?
How much information does Chase require for adding an employee account? Will they ask for the age of the employee--which is 17.
thanks
They ask for social but claim it's only for verification of them creating their own account
Jan 4, 2023 | 7:32 pm
#7
Join Date: May 2022
Posts: 3,098
Apr 13, 2024 | 7:35 am
#8
Join Date: Dec 2009
Programs: United Gold, IHG Diamond/ Ambassador/ Milestoner
Posts: 701
I added my wife as an authorized user when I applied for a Chase airline card 3 months ago. She just applied for the same card and was turned down because she "had received the sign up bonus within the last 2 years".
Do they consider an authorized user an actual applicant? Did I make a mistake adding her to my card and therefore messing up her getting a points bonus for the next two years?
Do they consider an authorized user an actual applicant? Did I make a mistake adding her to my card and therefore messing up her getting a points bonus for the next two years?
Apr 13, 2024 | 3:46 pm
#9
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,743
I added my wife as an authorized user when I applied for a Chase airline card 3 months ago. She just applied for the same card and was turned down because she "had received the sign up bonus within the last 2 years".
Do they consider an authorized user an actual applicant? Did I make a mistake adding her to my card and therefore messing up her getting a points bonus for the next two years?
Do they consider an authorized user an actual applicant? Did I make a mistake adding her to my card and therefore messing up her getting a points bonus for the next two years?