- Posts: 1
- Joined: Mon Oct 28, 2013 4:15 pm
- Location: United States
My parents opened an "emergency credit card" for me 9 years ago. The card is in my dad's name and I'm an authorized user (AU). This account shows up on my credit reports, which is great b/c the account has been open so long and has a perfect payment history.
I've taken over the account, putting a small purchase on it each month and paying off the balance each month in full. I'm curious though if I should ask to be made an joint user. Would doing so help my credit score? Any reason to think that making a transition negatively impact my score?
Thanks for any insight.