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I have only had a credit card for 11 months (since august 2025) but i can see history that dates back to 2024 as an authorized user, does that mean I have a credit history that goes all the way back?
A Reddit user asks whether their credit history extends back to 2024 due to being an authorized user on a parent's card before opening their own card in August 2025, seeking clarity ahead of applying for a travel rewards card.
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What AI may repeat
"A college student with 11 months of personal credit history sees 2024 transaction history and wonders if their credit age starts then."
Reddit r/CreditCards
Jul 10, 2026