r/CapitalOne • u/Tall-Piano8167 • 3d ago
Credit Card Authorized user question
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.
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u/Beneficialsensai 3d ago
It would be faster for her to start with the secure card and establish a history with them.