American Express added me, please note below

[pokerpro]

American express added me on my wife's account as an authorized user and that account manager which gives me the right to make any changes.

However, they asked for my SSN which is odd cause no one else ever did unless its a joint account.

In terms of credit report, would the balance on my wife's account be calculated in total utilization ration or not

And do they even offer joint accounts

thanks alot

Message Edited by pokerpro on 08-25-2008 06:53 AM

[Anonymous]

Amex does ask for SSN's -

They will report the exact same account(s) on your report as her and the UTL will be calulated in yours (good or bad)

You are an AU (Authorized User) - Amex does not have joint accounts.

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pokerpro wrote:

American express added me on my wife's account as an authorized user and that account manager which gives me the right to make any changes.

However, they asked for my SSN which is odd cause no one else ever did unless its a joint account.

In terms of credit report, would the balance on my wife's account be calculated in total utilization ration or not

And do they even offer joint accounts

thanks alot

Message Edited by pokerpro on 08-25-2008 06:53 AM

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[pokerpro]

Timothy - thanks for the reply

Well, if the utilization counts for me as well, then Am I getting any benefits for the new credit line available, i mean i though that AU does not affect your FICO, but if utilization is being considered then i am being effected

dont get me wrong, its my wife's and I account anyway - and I am the one that pays the bill

I just want to get a better over all understanding

[Anonymous]

You get all the good and bad just like it was your account.

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pokerpro wrote:

Timothy - thanks for the reply

Well, if the utilization counts for me as well, then Am I getting any benefits for the new credit line available, i mean i though that AU does not affect your FICO, but if utilization is being considered then i am being effected

dont get me wrong, its my wife's and I account anyway - and I am the one that pays the bill

I just want to get a better over all understanding

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[pokerpro]

Timothy - thank you for taking the time to reply

I did wonder why they ask for the SSN number unlike any other visa or mastercard creditor

AU title was misleading with them, since I know that it does not affect me being an AU on like a chase credit card

good and bad, i think i can take both

[Anonymous]

Any card you are AU on will count in your score as if it was your account, util and all.

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pokerpro wrote:

AU title was misleading with them, since I know that it does not affect me being an AU on like a chase credit card

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[athensguy]

Doesn't Amex reserve the right to go after the AU for charges made with the AU card?

[preci0uz]

I thought any creditor can go after you, if the owner does not pay the card.

By the way, how does a credit report an AU report on your credit report if they don't have your SSN?

Also, does anyone know whether you can have more than 1 AU?

Thanks!

[MidnightVoice]

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preci0uz wrote:

Also, does anyone know whether you can have more than 1 AU?

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Yes - I had DW and DD on two cards as AUs

[preci0uz]

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MidnightVoice wrote:

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preci0uz wrote:

Also, does anyone know whether you can have more than 1 AU?

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Yes - I had DW and DD on two cards as AUs

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Thanks for the response. I'm just clueless about AUs.

Now let's say I've had a credit card for 3 years and I add my sister as an AU. Would 3 years of history show on the account?