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!

Question

Posted in Credit Cards
Profile Image

Question By
SmeCat

0 Contributions
0 People Helped
Great Credit Score - Can't Get Credit Card (Currently Authorized User)
I've been an authorized user on my mother's credit card (Amex Blue Cash Pref) for over 3 years. She has great credit, so my credit score is currently around 760 at TU and EQ. I wanted to get my own card now that I'm making more money, so I applied for a new card with Chase (since my AmEx isn't accepted a lot of the places I go) - denied for lack of credit history. Apparently being an authorized user is not proof of credit responsibility. Do I need to drop down to a secured card to build credit/have the last three years of being an authorized user been a waste? Or are there other credit card companies that would be more willing to view being an authorized user as proof of creditworthiness?

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
675 Contributions
353 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

I would check the capital one prequal site and see if you can get a card from them, I think that you would have a good chance.  I would also check on the american express site also to see if you can get your own card. 

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

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

View your scores and reports anytime.

SIGN UP NOW

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.