Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Cards
Profile Image

Question By

0 Contributions
0 People Helped
Debt reported on credit report. I am only authorized user

I am 18, and currently an authorized user on my parents credit card. They have a line of $20,000, and spend about $4,000 a month. I applied for two card (3 months apart) and got declined for both because that $4000 a month is being reported as my debt. I only make $12,000 part time as I am only a student. My question is, is that $4,000 supposed to be reported on my report? Also, how can I get approved for a card? My fico score is 750, and my experian score is 779. I got declined for both capital one journey, and citibank dividend student card.


Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.