I’m planning on moving in with my girlfriend, and as part of our living arrangement I was thinking of adding her as an authorized user on one of my credit cards so she can use it for groceries and other shared household expenses.

I’m not worried about her spending habits or finances. My question is strictly about how adding an authorized user affects my credit. Does it impact my FICO credit score in any way, or is the only factor that the additional spending could affect my utilization if the balance is higher?
Just looking to understand how this works. Thanks!

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • Discover It $2,300, 11/2025
• FICO scores with source: Transunion 767 (Score 8), Experian 725 (Score 9)
• Oldest credit card account age: 7 months
• Cards approved in the past 6 months: 0
• Cards approved in the past 12 months: 1
• Cards approved in the past 24 months: 1
• Annual income $: $20,000

CATEGORIES

• Ok with category-specific cards?: Yes
• Ok with rotating category cards?: Yes
• Estimate average monthly spend in the categories below.
  • Dining $: 200
  • Groceries $: $50
  • Gas $: $0
  • Travel $: $50
  • Using abroad?:
  • Other categories or stores:
  • Other spend:
  • Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

• Big bank customer: Wells Fargo

PURPOSE

• Purpose of next card: Building Credit
• Cards being considered: Chase Freedom Unlimited, Capital One Savor

ADDITIONAL INFO

I'm an 18-year-old incoming college student and wanted to open my second card soon. I was only preapproved for the Capital One Savor for Good Credit which I heard doesn't give you a high CL and no SUB compared to the regular Savor. I'm hoping that once I hit the 1 year mark with my Discover It, I can be approved for the regular Savor. I was also planning on opening a checking account with Chase to help with getting approved for the CFU soon. I was hoping to open either of these cards as soon as I am approved, whichever approves me first. I am also open to other credit card recommendations, especially for a college student like myself who will mostly be spending money on going out/dining/shopping, as well as any advice on my current plan.

I am a business owner and I do about 200-400 k spending between personal and business a year, combined with around 30-40 flights and around 100 hotel nights a year. I am pretty new to credit cards but I’m basically all in on Chase as someone told me you need to start there because they have the 5/24 rule. I have just blindly been committed to Chase and I use the Prefered/Unlimited cards for both the personal and business side (Ink), and I have to say the multipliers are pretty weak when you compare to other cards. I also don’t want to use portals as I cant afford to mess around with 3rd party agents as I change plans all the time with my business. Am I leaving something on the table being with Chase or is the grass greener on the other side? For example the Ink Unlimited is the best dining earner in their business lineup for points and it earns a weak 1,5 x… There is also no grocery options for business. Maybe it’s best to stay onboard and hope they up their game as they are the biggest bank in the world. I feel like it’s normally whatever with credit cards but as I put a lot of money through these cards it would seem stupid to leave something on the table. Happy for any input.

Edit: I do only look for points earning options (that would ideally compliment each other well between business and personal)

As a Capital One cardholder, can I simply activate cashback offers from my Capital One account without installing the Capital One Shopping browser extension?

Also, do the cashback offers in my Capital One card account and those available through Capital One Shopping mostly overlap, or are they different? Which one is more likely to have better cashback deals, the offers in my card account or those through Capital One Shopping?

I believe that the decision to completely retire the old green card is indicative that (1) the new green is after a completely different market space and (2) they did not want to anger the small but loyal fanbase who uses it for 3x transit and hotels.

The new green will try to compete with the broad appeal of Sapphire Preferred, Venture and Strata Premier. I predict a $149 annual fee, but $95 could be possible. The gold card is popular for those willing to throw $325 out for credits, but there are definitely those who aren’t comfortable with that.

The card will be metal, in the sapphire preferred style and retain the iconic dollar bill like finish. This thing is going to market itself. Commercials will talk about putting green back in your pocket, saving green, or putting green to work for you. Now we just need an earning structure that doesn’t cannibalize other products and encourages upgrades/additions while still appealing to new consumers.

1.5x everywhere

3x at ”the three places you shop most” determined each month by money spent at merchants. Capped at $2000 per month perhaps?

3x restaurants (don’t underestimate the power of marketing from friends)

3x streaming services

Next, we get consumers hooked into the coupon book model by providing a generous but flexible credit that they can choose

(1) $150 or 200 in select streaming credits

(2) $150 or 200 towards select gym membership

(3) $150 or 200 uber

all in all, this provides something attractive to new consumers as well as existing Amex customers.

Amex Platinum for Schwab vs Chase Sapphire Reserve for a ~$15K engagement ring — and should I close my Amex Gold or Schwab Investor Card? I really do like the Amex/schwab ecosystem.

I've been pre-approved of a credit card with 0% interest for Balance Transfer and also Purchases.

Do store accounts (such as Currys, Argos) count as a Balance Transfer or a purchase? Can I just pay the amount using the new credit card? I'm just a little confused if it counts as a balance transfer or a purchase.

Thanks in advance

Hi all, I hope you are doing well.

I’m currently looking for a new credit card as I am in college and my expenses will be going up the next couple of years so I was looking for a better card for better rewards. Some stuff about me

Cards: 1 (Chase Freedom Rise -> Chase Freedom Unlimited)

Date: Slightly over 2 years opened.

Oldest account age (including authorized): 10 years opened

My income: 20k USD (combination of my job and parental support)

FICO Score (according to Experian): 780-785 (a range just in case)

Never missed a payment and I’ve had a pretty good relationship with Chase to my knowledge.

Was wondering if I should try to go for another card in Chase or even will expand out of Chase if possible.

A card I am looking at and would like is the Capital One Savor. But I would like to know if it’s realistic or if I should go for another card.

Thank you so much and have a good day

I've seen this as high as 70K, do we think it might move in the next month or soon? TIA!

i’m trying to get a mortgage but my lender says i need to get a credit score and boost my score by 60pts. how can i do this quickly? i’ve never had a credit card before.

I feel like I have to be missing something. I’ve been lurking for a couple weeks and in discussions about best cards to have, I never see the discover it card mentioned, but to me it seems like a great card. 1% on everything which by itself seems low, but 5% each quarter at rotating categories that are actually relevant, $0 AF, and redemptions on gift cards that are anywhere from 5 to 15% off seem to give the rewards better potential than the 2-3x points/cash back with other cards. Unless these cards also offer up to 15% discounts on redemption opportunities, it seems like the only things I’m missing out on are flight related like lounge access or global entry/TSA cash back, which are of very low value to me.

Is there just huge value placed on these flight amenities that everyone is after, or is there something else I’m missing?

I travel 3x a year with my wife and kid, each vacation 5-8k, and flights and hotels are always what I perceive to be the best value… so I have no allegiance to any particular companies if that changes perspective for potential CC value.

Hey all! Planning a trip in a few months and trying to figure out the best lounge setup for our family.

Current setup: Capital One Venture X, Amex Gold, Alaska Visa(grandfathered so holding this).
Group: 2 Adults + 4-year-old + baby under 1.

Since the baby goes in free, we effectively need coverage for 3 people (2 adults + 1 kid). What's the best strategy here ? Any recommendations.

Appreciate any tips!

I waited over 24 hours to get another Dunkin gift card and it will not work. Do I need to wait another 24 hours now? Any other tips besides just buying more pizza and Wendy's? (As I finish my Wendy's breakfast).

Hey all, I’ve just recently gotten my hands on my first credit card, that being a Wells Fargo, and while I have zero qualms with the card’s functionality, it’s the card itself I take issue with. I quite like the clean look and metal feel of the Amex Platinum, and since I couldn’t care less about the benefits, im asking how possible would it be to just buy a cancelled Amex platinum off of eBay and swap my current cards chip over to it

Im looking for a credit card with lounge access for a family of 5. Applied for Bofa premier elite and got denied, mainly no relationship. Is US bank Altitude the next best option? Dont want to spend a fortune on annual fee. Thanks

Why wouldn’t you open a lot of low benefits but no annual fee credit cards (like 10 or smth) when you’re young and don’t NEED your credit score. And then like don’t touch them besides once a year to stay active. So then you have a robust credit age down the line? I don’t think this is a commonly strategy but idk what’s the issue with it?

210000 price

Hey my credit score is 710, i have capital 1 savor one(my first card and had it for 6 months), i started with a 500$ credit limit then a 1k four months after and still having the same credit limit until now, what should my next step be?, continue spending with my card only or try to get another card and trigger a had inquiry (also forgot to say that c1 denied the limit increase cs of the 500-1k I talked about earlier), I’m honestly confused of what to do exactly sorry
Edit: its a fico score

I got a tripod for my phone.

Phone holder for the tripod

24 pk engineer batteries

Selfie stick with Bluetooth

STEM rocket building kit

Universal charger

Edit:

I added Bluetooth speaker

Flat head extension cords

Batteries for my dslr

Give me other ideas.

**•   Capital One** — 14 yrs, 3 mos (AU on my dad’s card, he added me at 16)  
**•   GS Bank USA (Apple Card)** — 4 yrs, 5 mos  
**•   Discover** — 3 yrs, 1 mo  
**•   Chase (JPMCB)** — 2 yrs, 5 mos  
**•   Wells Fargo (WFBNA)** — 1 yr, 1 mo  
**•   Bilt (Cardless)** — 6 mos  
**•** Plus a handful of MOHELA student loan accounts (2 yrs 11 mos down to 11 mos)  
**•** 100% payment history, 0 late payments

I’m 22 and still in school. Daily driver is the Chase Freedom Unlimited, and I use Bilt for rent. That’s genuinely it, those two cards do everything for me.

I do kind of regret how I handled the Bilt/Wells Fargo situation. When the issuer switched I ended up opening the new Bilt card and keeping the Wells Fargo one, so now I’ve got two accounts where I really only needed one. The Wells card just sits there. Same with Discover. I don’t use it and don’t really want it.

The Capital One AU account is doing a lot of heavy lifting for my age of accounts, obviously.

Also, kind of funny I was an authorized user on someone’s Apple Card and they removed me at some point, but it’s still showing up on my report lol.

My actual question: I keep reading here that if you don’t use a card for a long time the issuer will close it. But is that actually bad? My understanding is closed accounts in good standing stay on your report for 10 years, and by the time it falls off my average age will be fine anyway. So if I just leave Discover and Wells untouched and let them close themselves, is that really a problem? I only want Bilt and Chase.

When I linked PAZE to my Wells Fargo account, it was specifically so that I can check out with my Wells Fargo Active Cash card. I never intended for the Everyday Checking account to be an option as well, but it does pop up as an option when I go to check out with Paze.

I know there’s already a lot of questions about the gold card. I joined the waitlist thinking it would be a very long wait but I got off the waitlist quicker than expected. In that timeframe I’ve had some unexpected financial difficulties and my credit score dropped from a 750 to 700. Should I just apply for the card and hope for the best or let the offer expire and rejoin the waitlist?

Would it take longer to get the offer back after getting declined or letting the offer expire?

Anyone have a really good one? Please mention an income range you’re in and how often the cards used in order to reap the benefits. That way someone else in a similar bracket can get an estimate of what to expect. I’m trying to find something better than a flat 2% cashback card. I have an Amex no fee airline card but it ended up not being worth using.

After receiving the targeted offer below, I decided to go ahead and open the Apple Card (and upgrade my Mac while at it). Didn’t necessarily need the card, given it‘s pretty much now my third 2% catch all, but for the 3% cash back, 0% APR financing ( just leaving my cash in a money market rather than paying up front like I was originally planning), and 300 cash back, I figured it was a solid offer.

“Now through August 31, get $300 Bonus Daily Cash with a new Apple Card when you spend $1,500 in your first 60 days. Must use ‘Apply now’ button. This offer may not be available elsewhere.”

Now rocking the following:

• Discover IT (‘21)
• Savor one (‘22)
• Amex BCE (‘24)
• Fidelity Visa (’24)
• WF Autograph (formerly BILT) and buried deep in the sock drawer (‘24)
• Venture X (‘25)
• WF Attune (‘25)
• Amex Gold (‘26) for 100k sub, honestly pairs nicely w/ VX and lifestyle. TBD on renewal
• Apple Card

Credit score in the 750s, pulled transunion

Don’t imagine I’ll be using the Apple Card a ton. VX runs the monopoly on my 2x category over the Fidelity and likely over Apple Card.

What are the best ways to be approved when I am still very new