

Once you get it setup, start looking for homeassistant compatible hardware instead. There is a lot. Even some big brands use protocols (zigbee, zwave, matter) that can connect to homeassistant without a need for their hub (granted you do have a HA hub) or cloud connection.
I try to stay away from WiFi if possible, but if home assistant compatible I’ll use it.





Yes it can improve their scores if the main user keeps it in good standing. It can have a negative impact if the main user doesn’t make payments on time, maxes it out, etc.
It might not be a blanket rule, but if, as an authorized user, you see the line of credit on your credit report it is impacting it.