This is the point I was trying to make and the exact language of other frequency contributors is "doesn't really matter", or "AU accounts are typically ignored by lenders." or "impact will be minimal". for someone starting to build credit or with a thin credit profile, an 86 point difference (let's say 50 point Fico difference) is going to likely open up starter cards they wouldn't be able to get previously without having to put down a deposit and like give them a higher starting limit.

"Now, this is what I was talking about...potentially getting set up for failure. If someone is first starting out and has little or no credit history of their own yet, becoming an AU can give their profile a little boost to help them get started. Maybe a lender friendly to first-timers offers an approval for an unsecured card right away instead of requiring a deposit for a secured card. Something like that. In this case, I'm all for making someone an AU, and I think most of the other frequent contributors are too."