credit report

Just logged in to my Credit Karma account and on the page showing account balances, I noticed there's "Reported" date on each balance. It could be useful for some to know the reporting date for your CCs, since it isn't always the statement date. If you're trying to get utilization as low as...

I'm getting ready to have my first child in August. I do a fair amount of churning between my wife and me. When can I get my child into the hobby? I know I can add our child as an authorized user on some of my cards, but when would I be able to open up a credit card in my child's name?