Based on my own experiences and others» online reports, their system's initial scan of your credit history seems to
count authorized user accounts against you when totaling accounts.
Not exact matches
If the form is unclear it's ok to ask, «on having a bank
account, does being listed as an
authorized user on someone else's
account count if it isn't my money or bank
account?»
Contrary to what you may have heard,
authorized user accounts do
count in a person's credit score under most scoring systems, including the FICO ® Classic 4 version that is used for all mortgages today.
All the spending on the
account, including that of the
authorized user, will
count towards this minimum.
Your
authorized users will be issued the additional card (s) automatically when we get your request, as long as your credit card
account is: a) still in good standing at that time, and b) your request does not exceed a total of 3
authorized users (
counting any existing
authorized users you may already have).
In this case, it won't
count as an open and active line of credit for you and might not appear on your credit report, since as an
authorized user, you are only being added as a signer and do not have financial responsibility for the
account.
DoC points out that
authorized user accounts do
count towards the Chase 5/24 rule so keep that in mind.
Net Purchases made by
authorized users through additional cards on the primary cardmember's AAdvantage ® Aviator ® Red
account will
count toward the primary cardmember's qualifying spend.
You can try to talk to Chase and explain that there is an
authorized user account in that total that should not
count toward your 5/24 numbers.
The annual credit is awarded each
account anniversary year, and eligible charges made by
authorized users also
count toward the $ 300.
Purchases made through additional cards on the primary cardmember's
account (
authorized users) will
count toward the primary cardmember's qualifying spend.