AU on cc

Discussion in 'Newbies' started by lucky1, Feb 20, 2012.  |  Print Topic

  1. lucky1

    lucky1 Silver Member

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    hi, if you can pls assist me with 2 questions regarding an au on a cc.

    1)being a au on some1 elses cc account would that decrease my odds on being approved for the same card type. I'm talking specifically being an au on a Chase cc [with my ssn given to them]?

    2) I currently have 2 accounts opened on 2004 which brings my CR account age to 8 yrs,
    now considering an AOR I'm afraid if my CR will take a hit. since adding more cc's to my history will automatically lower my average account age,
    would it be a good idea to become an au on some1's cc account which is open 7/8 yrs, thereby making my account average age, longer then it would be w/o it ?

    please only experienced answers, no predictions or I think's
    thanks a mil
     
  2. schnitzel
    Original Member

    schnitzel Gold Member

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    Being an AU on someone else's account no longer helps your credit report at all. That was changed after abuse by "credit repair" agencies.

    Beyond that, I just don't know what an AOR is.

    Oh - and when I opened this thread, I assumed you were talking about buying gold by credit card.
     
  3. lucky1

    lucky1 Silver Member

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    let me just guess your wrong, a friend told me he recently added his brother as a au to his amex cc and a few months later his brothers score went from not having a credit report/score at all to a whooping 780!
    can you please tell me where you got this info from ?

    AOR=APP O RAMA interesting you don't know that

    hey, what about your name am I reading right 'shnitzel'?;-)
     
  4. schnitzel
    Original Member

    schnitzel Gold Member

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    Well, add a "C" and you've got me.
     
  5. kyunbit
    Original Member

    kyunbit Silver Member

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    I thought you wanted to go to Australia on Credit card miles :) No experience here. But, I added my brother to my CC last year and now he has an excellent credit score despite not having any history prior to that
     
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  6. schnitzel
    Original Member

    schnitzel Gold Member

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    kyunbit - if you weren't Silver, you'd have had me.
     
  7. joejones
    Original Member

    joejones Silver Member

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    I think I predict that I have no idea. You're welcome.
     
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  8. schnitzel
    Original Member

    schnitzel Gold Member

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    That was a pretty bold original statement that was begging for no replies at all. Who wants to incur the wrath of lucky1 for a debatable statement?
     
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  9. schnitzel
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    schnitzel Gold Member

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    I guess I should leave this alone, but I can't. Why should I know that? Does some specific post I made imply that I know this acronym? Or is it just that I posted in your thread, and you only want seasoned experts, so you assumed I was one based on the fact that I posted?
     
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  10. Mikus33

    Mikus33 Silver Member

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    I agree. We can go nuts with the acronymns and abbreviations sometimes. If it's questionable (or if there are multiple uses) we should definitely spell things out.

    One of the things I do love about this forum is that if you highlight the word the definition pops up in the top right screen. It's frustrating to have to look up abbreviations/acronymns or airport codes while reading through a post. That definition feature is a beautiful, beautiful thing.

    BTW (by the way), AOR is not definited as App-O-Rama in that feature. Is it common enough that it should be?
     
  11. schnitzel
    Original Member

    schnitzel Gold Member

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    LOL - did you try clicking AOR to get the definition?
     
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  12. Mikus33

    Mikus33 Silver Member

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    Definitely. It's defined as "Sultan Abdul Hamlin Aprt, Alor Setar, MY". Wherever that is.
     
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  13. schnitzel
    Original Member

    schnitzel Gold Member

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  14. Randy Petersen
    Original Member

    Randy Petersen Founder

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    Now try defining again AOR with the dynamic glossary. It's magic!
     
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  15. schnitzel
    Original Member

    schnitzel Gold Member

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    That is some fast action.

    But now I'm in the "you should have looked it up" category;)
     
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  16. Muerl
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    Muerl Gold Member

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    you are behind the times now. You need to go back in time and know things now that they are defined ;)

    How does one go about adding things to this dynamic glossary? Short of opening conversations with Guides and Founders?
     
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  17. schnitzel
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    schnitzel Gold Member

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    I hope we don't have to bother Randy each time, but then again, do we want us lame Silvers to have that kind of control? Could get ugly.
     
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  18. Muerl
    Original Member

    Muerl Gold Member

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    Lucky1 sorry, but I honestly don't know the answer on either of these. There seems to be anecdotal evidence (in the thread) that adding an AU to your credit card will help your credit rating SOMEHOW.

    That being said I do not see any information about being an AU on my wife's AMEX on my report looking at Credit Secure right now.
     
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  19. lucky1

    lucky1 Silver Member

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    thanks.
    i/r/t au on your wifes cc, have you/she given them your ssn opon adding you as a AU ?
     
  20. lucky1

    lucky1 Silver Member

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    1) I was just assuming a silver member on Mp should know a cc term spread all over there.
    2)I don't need 'seasoned experts' some1 with personal experience is enough, in any case sorry schnitzel [with ketchup] I think your statement that AU'S no longer help on credit reports,is sort of discrediting, my I ask where you've got this info from?
     
  21. schnitzel
    Original Member

    schnitzel Gold Member

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    I'm not sure that anyone can tell their score changed in regards to being an AU - one person is certainly not a good sample here. But maybe this article is what you're looking for:

    http://www.credit.com/credit_information/credit_report/Consumer-Alert-FICO-Formula-Changes.jsp
     

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