topic Adding loved one as Amex AU. Info needed. in Relationships and Money

Adding loved one as Amex AU. Info needed.

Funk-O-Meter — Tue, 14 Aug 2012 21:17:37 GMT

I'm encouraging my GF of a few years to start rebuilding her credit. She's had some knocks in the past and I want to help her out if I can. She's watching me rebuild mine and it's going great.

I'm considering adding her as an AU to my AMEX account but not actually giving her a card. She wouldn't actually use the account (her idea.) Just enjoy the tradeline on her report to help rebuilt.

What do I need to know?

Shat does she need to know?

Thanks in advance.

Re: Adding loved one as Amex AU. Info needed.

drkaje — Tue, 14 Aug 2012 22:34:37 GMT

She can order a replacement card at any time.

She's responsible for her charges if you default.

Being ACM does not build history with Amex. It's not the same as having an account.

Re: Adding loved one as Amex AU. Info needed.

Funk-O-Meter — Tue, 14 Aug 2012 22:54:44 GMT

But it will show on her report right?

Is she responsable for my charges if I default?

Re: Adding loved one as Amex AU. Info needed.

drkaje — Tue, 14 Aug 2012 23:50:12 GMT

It should report.

I don't believe they'd hold her responsible for your charges.

USAA and Amex are the only two I'm certain hold AU/ACM responsible for their own charges. USAA is worse and provides the primary no protection.