Hey there, I am about to make my wife an Authorized user on my Cap1 SEC CC. Does she actually have to use it or can it just sit somewhere collecting dust? also the reason I stated that I have a Cap1 Sec card is because she has a Cap1 Student card. does it make a difference on what "brand" cards she has? as far as her credit report it is EMPTY. She has CC and two student loans (that are still in deferment for at least 14 months) I want to help build that puppy up...
Your wife would not have to actually "use" the card. Your history from day one will be transferred to her credit report. Whatever you do with your card (payment, transactions, etc) will reflect on her card as well, which in turn shows up on her credit report.
