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re: Son got denied for a credit card

Posted on 9/6/14 at 5:20 pm to
Posted by Teddy Ruxpin
Member since Oct 2006
39607 posts
Posted on 9/6/14 at 5:20 pm to
An authorized user is not legally responsible for the debt. If a credit card company is making this mistake(implicitly and rather shockingly), he should rectify that issue so they know he is not the holder of that debt.
This post was edited on 9/6/14 at 5:22 pm
Posted by JonTheTigerFan
Central, LA
Member since Nov 2003
6789 posts
Posted on 9/6/14 at 6:19 pm to
I know that being an authorized user brings up your FICO score but I've read that lenders are starting to frown upon that when it's someone's only positive trade lines. Could be that his thin credit file (excluding being an AU on their credit cards) is holding him back. He should try a credit card like Dicover It or Capital One to start. Not bad cards and aren't as hard to get as an American Express or Chase.
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