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I'm trying to reach out for my first credit card. Never wanted one until now.

Discovered on my credit report parents have me as an authorized user on an Amex card with a 10k limit for about 4 years now.

The card is rarely used and had no outstanding balance or late payments.

So I have a few questions.

  1. Will currently being an authorized user on a said Amex line have have a negative effect when trying to get my own credit lines?

  2. Will removing myself as an authorized user hurt me/my score in reaching out for my own credit lines.

What's the best course of action?

Edit: Well that answers that. Thanks so much!



Submitted November 02, 2017 at 07:29AM by potatonewb http://ift.tt/2A9HXyz

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