re: Son got denied for a credit card

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Obviously the authorized user thing is a loophole and you all have used it...

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It's not a loophole.
For some reason, people don't understand that there are about 30 different scoring systems (roughly 10 per credit copository).

They do not score an 18 year old the same as they score a 26 year old, the same as they score a 40 year old with a bankruptcy, the same as they score a 60 year old.

There are about 10 different buckets that we can be thrown into... each one with a different set of requisites for scoring.

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Your son needs to follow procedure for a denial (often a written request) to get the exact reason for the declined credit application. I am guessing that his thin credit file is the reason for being turned down with this credit card carrier. But it's just guessing. A simple written request will get him and you everything that you need to know.