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 Scores
Profile Image

Question By
lsanchez66

0 Contributions
0 People Helped
I'm an auth user for my boss with Chase. They link his credit utilization to my credit report.
I pay my boss' bills and sometimes need to discuss/dispute a charge. To do this I had to become an authorized user on his Chase Sapphire acct. I was not issued a card. Last month he had high credit utilization on this account. I paid the bill off in full as I always do. However, my score dropped over 100 pts. due to the high utilization. Why does Chase do this? Amex and Cap One don't do this. It is not fair to me. I work very hard to keep a my score high.

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
1355 Contributions
207 People Helped

If you are an Authortized user on the account,you inherit their tendancies (age, utilization, payment history.   He needs to speak with chase to make an adjustment.  They could give you access to discuss the card without being an authorized user.  It is possible that the Amex and Cap one cards are business cards and not personal cards or he may have correctly discussed his needs with them regarding your access.   As you are an authorized user, speak with them on the type of access you need and they you don't need to be a fullfledged authorized user.

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.