[Constance]

To the Chase system, yes but if the Authorized User card is what puts you over 5/24, then you can still apply.

You will get denied but you can call the Reconsideration department to have the card notated as authorized user / not responsible and ask to have the application reviewed.

[Hobart]

Yes, it can for the authorized user

[Noemy]

I don’t know if the Chase system is getting smarter or what, but my daughter has four of her own plus an Authorized User and Chase has been automatically approving her without the need for recon.

Either that or they aren’t counting her store card from Anne Taylor. I’ve heard mixed data points on whether single store cards are included in the 5/24 count, so it’s possible she’s sitting at 4/24 with the Authorized Use.

One of them is also a Capital One business card on her personal report.

In any event, the Authorized Use card will fall off in March and then one more in June and two more in July, leaving her at worse 1/24, so it’ll be time to explore some new options then.

[Linwood]

I put my husband on 5 as an Authorized User, he had 4 of his own within 18 months, and had zero trouble getting approved for CSP online.

[Caleb]

It counts against 5/24 for the person you add as an Authorized User, not for the primary cardholder.