1. AU, no credit pulled, "au", not sure if reports 2. Secondary cardholder. They still don't pull credit. It's a "j" , definitely reports. Here is the kicker, EVEN IF you've screwed First USA in the past, I was told you could still do either an AU or a J on someone else's card. Now, I do know to take all CSR advice w/a grain of salt... so, any experiences on this one? I'm glad I didn't get the First USA I applied for, but my partner has a Platinum (for 7 years) and she's willing to put me on as an AU or as a secondary cardholder. Just wondering if that would give me the "history" I need to boost the scores. What do you guys think?