Word-for-word question scripts

"Hey, could we talk privately sometime about a credit-building option I'm researching? It involves being an authorized user on an existing card. My goal would be to build credit history, with no spending by me. We would check the bank's rules together before deciding. If you're not comfortable, that's completely okay."

"I'm the primary account holder for this card. Before I add an authorized user, I'd like to confirm the credit-reporting policy for this specific account. Does this card report account information to credit bureaus under the authorized user's name? Which bureaus receive it — Equifax, Experian, TransUnion, or a different combination? Are there age requirements or other conditions that affect reporting? Is the minimum age to be added different from the minimum age for reporting? What information do you need to add the person and support reporting? Do you report the account's earlier history and opening date, or only activity from when the person is added? What happens to authorized user reporting if the account becomes delinquent? When would you normally send the first authorized user update, and who should we contact if it doesn't appear? Is there an authorized user fee? How do we remove an authorized user later? Where is the current written policy? Could you send this through the secure message center?"

"Thank you. Can you confirm that applies to the authorized user on this card, under their name, rather than only to me as the primary account holder?"

"Am I an authorized user or a joint account holder? Have I accepted any repayment obligation, and where is that stated in the agreement?"

"I'm preparing to buy a home, and I'm considering becoming an authorized user on a family member's card. Before I make that change, can you tell me what is currently limiting my mortgage options? Which loan program and score model are you evaluating? How would an authorized user account be treated in my application, and do you need documentation about the account owner or who pays? Could any payment on that account be included in my debt-to-income ratio? Do you need more credit history in my own name, and what options fit my timeline? When should we review my file again, and what changes should I discuss with you first?"

"I am researching your auto loan requirements before submitting an application. Can you answer a few general policy questions without running my credit? How do you evaluate authorized user credit card accounts? Do they satisfy your credit history requirements, or do you require accounts where the applicant is personally responsible for repayment? Do you offer a program for applicants with limited credit history? What are the published requirements? Which credit bureau and score model do you generally use, if you can disclose that? What information will you need about income, existing debts, down payment and the vehicle? Which step involves a hard credit inquiry?"

"Please remove [me / this person] as an authorized user. Please confirm the effective date and explain how this change will be reported. What happens to the physical card, digital access, pending transactions and recurring payments?"