Should I add myself as AU?
Current statsAAoA: 1.2yrsUtil: 18% of $24,2009 credit cards6 inquires in past year, last one was in AprilFICO: 721Got denied for Marriott card back in AprilMy goal is to get the Marriott card in October once I have no inquiries in the past 6 months. My question is: my SO just got approved for an AmEx with a $10,500 limit, should I add myself as an AU to lower my util in order to increase chances of approval? Or is it not worth the reduction in AAoA and extra inquiry? Any input is appreciated!
gilbertesc wrote:
Current statsAAoA: 1.2yrsUtil: 18% of $24,2009 credit cards6 inquires in past year, last one was in AprilFICO: 721Got denied for Marriott card back in AprilMy goal is to get the Marriott card in October once I have no inquiries in the past 6 months. My question is: my SO just got approved for an AmEx with a $10,500 limit, should I add myself as an AU to lower my util in order to increase chances of approval? Or is it not worth the reduction in AAoA and extra inquiry? Any input is appreciated!You can't add yourself to someone else's account as an AU. Only the account holder can add you.
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