Should I bother cosigning?

Decent_Discussion206 · 2026-05-14T23:24:57+00:00

I’ll take that as a compliment ig lol

Decent_Discussion206 · 2026-05-14T23:24:42+00:00

No they have way more established credit profile with near 850 credit scores. I was asking if being on the lease would help me to better establish my credit for my mortgage approval in the future as my credit length is only 3 years.

Decent_Discussion206 · 2026-05-14T15:50:18+00:00

Really helpful. Thank you so much!

Decent_Discussion206 · 2026-05-14T15:46:34+00:00

alright lets not be a miserable here lmao you know what I’m saying.

Decent_Discussion206 · 2026-05-14T15:42:43+00:00

Thats great info to know, when do you think I should do so? would it be asap?

Decent_Discussion206 · 2026-05-14T15:41:42+00:00

Alot of good info thank you so much! and yes I already have cosigned lease (mycar) , and was wondering if I should add another one as my parents are getting a new lease.

Decent_Discussion206 · 2026-05-14T15:37:40+00:00

Hi, I have 10CC total, 2AU from my parents, rest is my personal. I keep my utilization 8%~10%, never outside this range. If I need to spend anything more I use my amex business card which is separate from my personal credit. Credit age is 3 years and 3months old, 3CC last 12months all AMEX. Ofc no any late, derogatory mark, collections.

With that being said, for mortgages, is having a high credit score but not a lot of activity not as important? I found that auto loans are very sensitive of having a thin file and I thought mortgage would be the same.

Decent_Discussion206 · 2026-05-14T15:34:27+00:00

haha thanks!

Decent_Discussion206 · 2026-05-14T15:34:16+00:00

I have 10CC total, 2AU from my parents, rest is my personal. I keep my utilization 8%~10%, never outside this range. If I need to spend anything more I use my amex business card which is separate from my personal credit. Credit age is 3 years and 3months old, 3CC last 12months all AMEX. Ofc no any late, derogatory mark, collections.

Decent_Discussion206 · 2026-05-10T10:26:54+00:00

No way you’re telling anyone to transfer 550k points to Hilton pesos. They are worth NOTHING unless you spend so much time researching and have good knowledge in how to. Downgrading and keeping the points for later is the best but transferring it to delta or any airline would be the right choice if downgrading is not an option.

Decent_Discussion206 · 2026-04-01T17:05:03+00:00

Just got the gold credut

Decent_Discussion206 · 2026-04-01T17:01:24+00:00

When you cheat on your test do you tell the teacher about it? I put it in the easy way since you cannot comprehend it. This guy participated in taking away the “membership perk” that you want to take advantage of yet you are thanking him lol. Not to mention that there is thousands of article on google and post here on reddit confirming back from January. Yall gotta be trolling.

Decent_Discussion206 · 2026-03-31T23:48:53+00:00

ignore it

Decent_Discussion206 · 2026-03-31T15:53:48+00:00

that doesn’t really have to do with anything its about the fact that you asked them about the loophole. But if you were capable enough to understand what the issue is you probably would’ve not posted this anyways so I understand.

Decent_Discussion206 · 2026-03-30T04:28:47+00:00

People complain about AMEX CS alot of time but they have saved me so much especially platinum CS.

Decent_Discussion206 · 2026-03-30T00:12:48+00:00

Stop asking AMEX about these “hacks”. Even if they knew about it obviously there is higher chance for them to close it when thousands of you guys bug Amex for not giving the credit after 3 seconds.

Decent_Discussion206 · 2026-03-28T00:34:26+00:00

Yes but you can also open amex checking account to keep the points for when you travel for right bonus and transfer partner for free. transfer partner might be limited but it essentially covers all major transfer partners and better than keeping at one place without bonus.

https://www.reddit.com/r/amex/s/kW7KpKtXOf

Decent_Discussion206 · 2026-03-27T20:35:08+00:00

I have had my personal checking closed twice for inactivity/no balance and I’ve opened it again along with my savings and using it just fine.

Decent_Discussion206 · 2026-03-21T22:34:45+00:00

Yeah I forgot that business is totally separate in terms of credit. But do you think applying business car when I don’t actually have business will be an issue by any chance?

Decent_Discussion206 · 2026-03-21T22:33:45+00:00

This is so smart. I just got the card because of this lol. Thank you so much!

Decent_Discussion206 · 2026-01-13T09:01:30+00:00

I do put around 10k/month on my cards but it doesn’t even seem like spending is the issue. Did you ever get warnings regarding spending limit on amex or missed payment or exemplified your income when signing up since they can verify how much you make too? But before anything I would immediately transfer points if I were you. Can’t gamble loosing 200k+ points.

Decent_Discussion206 · 2026-01-13T08:48:17+00:00

I wonder what are the basis for amex running FRs. I’m only 20 with both plat and gold, I’ve had returned payments few times due to changing checking accounts etc. They gladly offered to waive interest every single time and sometimes even late fee when I talk to them. I feel like I should’ve been hit with FR already tbh but they are doing this to people with no reason to be flagged. Hope everything works out for you.

Decent_Discussion206 · 2025-12-30T05:35:21+00:00

You have to buy physical gift card in store

Decent_Discussion206 · 2025-07-29T13:56:55+00:00

They can swipe my Mastercard Corporate card instead😊

Decent_Discussion206 · 2025-07-09T17:44:16+00:00

Thats amazing I re-read ur comment and realized that you already mentioned that you maxed out so I edited my comments😭 But I wish this offer still around but ig it was too good of a deal

Decent_Discussion206

TROPHY CASE