- Centurion Member
- Posts: 538
- Joined: Fri Mar 09, 2012 9:29 am
- Location: San Francisco, CA
With the sole exception of AMEX, being added as AU on a card will give you an exact duplicate of the trade line with it noted that it is an AU account. So you would inherit all the good and bad aspects of that trade line. Most times with good trade lines, this is good. But it can be bad, if you have a low credit limits and someone adds a great card with high limit but high reported balance. So your util is basically overhelmed by the high util on the card even though the tradeline is positive. However, some FICO scoring models discount AU status if considered "piggybacking." But for the most part, it is a good thing.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k