I know that it is ideal to have 3 Credit Cards when building up your credit.
My Wife currently has 1 Secured Card with Capital One.
Recenlty they gave her a CLI from her starting $ 200.00 to $ 500.00
She also is an Authorized User on her my following Credit Cards
Discover IT ( $ 2000 cl )
Chase Sapphire Preferred ( $ 8500 CL )
American Express Blue Cash Everyday ( $ 15,000 CL )
Citi Hilton HHonors Reserve ( $ 7,000 CL )
Her Credit Scoring shows her between 652-673 throughout the 3 Credit Agencies..
would it benefit her to obtain her own cards, or do the AU cards count into the mix of getting 3 cards since they are reporting monthly to CBs?
Just attempting to figure out additional steps in which we can achieve better scores for her