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The master account holder is the one who has the credit affected. Citibank is the company I have the most expertise in. If I have a card under my dads account then my credit is unaffected. We learned this when my mom had zero credit because my father had been the primary account holder for literally everything. Long story short if you want to build credit get an account in your name...
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If something seems too good to be true, then it probably is....
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