The list of accounts isn't all that is needed and even with as much info as possible we can't guarantee anything.
mjb4ex wrote:I'm opening another business and would like as much security as possible...a 0% interest card I can use as an emergency.
For purchases? BT's? Both?
mjb4ex wrote:How does discover view me as an authorized use on my wife's card? Good because its always been paid, give me a better chance at getting approved by them? Or negative, they look at it as riskier?
That's not all that matters. Your entire credit profile and income will matter to any creditor.
mjb4ex wrote:I was asking about whether it helped or hurt to be an AU on my wife's Discover card...almost in a similar sense as already having one card with a specific bank and asking for an additional different card. Do they see your good payment history on the other card and approve you or look at the second card as too much risk? Thanks
We can't tell you that. It's not simply a matter of whether or not you're an AU and whether or not more than one card is too much risk. "Too much" is all based on your credit profile. if your scores are low then they'll generally have a lower risk tolerance for you than if your credit was in better shape. That's really all we can say. We don't know the specific of the underwriting criteria for any creditor.
Make sure you have an liquid emergency reserve and do not rely only on credit.
mjb4ex wrote:had tons of old bad credit. Have lots of inquiries.
Then you should carefully research and see what you can do to address all of this. Get your credit in the best shape possible before applying for anything. Don't just rely on being an AU or having only 1 account witha given creditor. Your credit profile definitely impacts what you will qualify for. If you can remove at least some of the derogs on your reports you'll probably be in better shape.