How do authorized user spending limits affect my overall credit utilization ratio as the primary account holder for our household finances?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do authorized user spending limits affect my overall credit utilization ratio as the primary account holder for our household finances?
1 real search · 1 real-search pass
authorized user credit card utilization primary cardholder balance credit limit spending limit impact credit score CFPB ExperianGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
authorized user credit card utilization primary cardholder balance credit limit spending limit impact credit score CFPB Experian Google ↗
- Authorized Users and Your Credit Limit · chase.com
- What Is a Primary Account Holder? · experian.com
- What Is an Authorized User on a Credit Card? · capitalone.com
- Will Being an Authorized User Help My Credit? · experian.com
- Understanding Accounts That May Affect Your Credit Utilization Ratio · myfico.com