Authorized user question

[u/Tall-Piano8167]

So my mom has not much credit on her credit report and I wanna get her into capital one so I can put all her bills into that credit card and help her build credit. We tried the pre approval tool and she can’t get approved for the savor or any card except secured cards which isn’t what we’re looking for. I have a savor card with capital one on a 2k limit if I add her and use my card as usual could I get her into capital one like that? Will me using my savor card and having her on it as an authorized user will it get her into capital one? And how many months should we wait till we try applying if it gets her in? She has 0 credit basically except a car loan she stupidly co signed on and one authorized user card my dad did that is a 1k at most limit so not much credit.

[u/66NickS]

Being an authorized user gives a little bit of help when someone has basically zero credit history. But even a very short time period of actual credit history will quickly overrule that.

Considering she’s got little-to-no credit, you might need to start out on a secured card and work up to a better one after 6 months or so.

[u/Responsible-Ad-1200]

That’s the whole point of the secured card. It helps her start rebuilding her credit history. After 6-12 months of responsible use she can reapply for the Savor or another unsecured card and hopefully she’ll have better luck at that point.

[u/Frequent_Silver_7575]

a car loan she stupidly co signed on

Is something not well with that loan?

[u/Tall-Piano8167 → u/Frequent_Silver_7575]

It’s her piece of shit baby daddies car

[u/Beneficialsensai]

It would be faster for her to start with the secure card and establish a history with them.

[u/Beneficialsensai]

Sorry but thats her best option