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trilliumsummer t1_iuiqi2j wrote

You can be added and never spend on the card and the family member can keep the card so you don't. I'm on one of my parents' cards still and I don't know if they even get a physical card for me anymore.

It won't hurt their score unless you spend more than they can afford and you don't give them money for it.

What's your score now? If you're already in the top tier it doesn't really matter enough to do that. They always have to say some negative things, so when you're in the top tier they just select the worst of the great. If you're lower down, then increasing your aaoa would help some.

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Historical_Ride4359 t1_iuir5fu wrote

I’m in the mid-600s, they’re in the high 700s. I wouldn’t use the card at all, I just wanted the history benefits since my credit history is so young.

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trilliumsummer t1_iuirhdh wrote

So if you have a lot of low age accounts it'll help, but it's only 15% of your score so it will only help so much. Paying on time and not using up most of your available credit will improve your score more.

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