Reply
New Contributor
Posts: 64
Registered: ‎10-02-2010
0

Amex Zync AU Question

Hey guys,

 

I was thinking about helping a close family member with thier credit by making them a AU on my account (and imposing a limit of course).

 

I was wondering:

 

  • They have a major baddie (due to BK, one of the write-offs being AMEX) however thier FICO is 670, would they be rejected for a AU, even though I am the one that is responsible? Does AMEX do a Credit check for a Authorized User?
  • Will me ATTEMPTING to get them a AU card impact my account? (in other words, if I try to make someone who had a BK with AXP a AU, will it have the potential to make me giulty by association in AMEXs eyes?)

 

Thanks,

 

MV

____________________________________________________________
EQ FICO - 710 as of 10/28/2010

700 Club
Regular Contributor
Posts: 163
Registered: ‎03-10-2008
0

Re: Amex Zync AU Question

From my understanding they will not grant the AU because they burned them.  I wouldn't even bother trying. Not worth bringing that to their attention.

New Contributor
Posts: 64
Registered: ‎10-02-2010
0

Re: Amex Zync AU Question

That interesting considering its my credit...

 

Thanks tho, may be best not to risk it...

____________________________________________________________
EQ FICO - 710 as of 10/28/2010

700 Club
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Amex Zync AU Question

They don't do a credit check per se on AU applicants, but they do run them through their records, and that's when they find that the would-be AU burned them in the past.

 

AmEx will hold AU's responsible for their own charges (their card has a different number, as I recall) in case the account goes sour, so they won't take prior AmEx burners as AU's.

 

I agree, not worth it. It's a generous thought, though!

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
New Contributor
Posts: 64
Registered: ‎10-02-2010
0

Re: Amex Zync AU Question

Ya, Per the advice of my FICO forum counsel I have decided not to even try... lol

 

Thanks again guys!

 

MV

____________________________________________________________
EQ FICO - 710 as of 10/28/2010

700 Club
Frequent Contributor
Posts: 477
Registered: ‎09-24-2010
0

Re: Amex Zync AU Question

[ Edited ]

Hi there,

 

I actually added my sister as an AU on my Zync card and you have two options:

 

    • 1.) Add her without her SSN
    • 2.) Add her with her SSN

 

If you add her without her SSN she will be an AU but NOT have the 'member since' backdating. If you add her with her SSN she will have the 'member since' backdating.  I opted to not do the backdating because she has only 1 credit card that is 6 years old - Capital One with a $1,000 limit. If I had her with the SSN then her AAoA will be lowered since I've only had AMEX since January 2008.  Of course, regardless which path is chosen I still had to pay a $15 fee for the card.  

 

She has no baddies either. They did not do a pull on her either.

 

-M

 

===========
TU: 745(TU98) | EQ: 774 | EX: ? | NO BADDIES!
What's in my wallet? AMEX Platinum, United Presidential Plus World Elite MC, AMEX JetBlue, Nordstrom Visa Sig, Chase Sapphire Preferred, Discover More, AMEX Zync, Citi AAdvantage Plat Select Visa, Banana Republic, Home Depot
New Contributor
Posts: 64
Registered: ‎10-02-2010
0

Re: Amex Zync AU Question

Hmmmmm

 

This adds a new dynamic to my conundrum.... lol

 

So you have a clear set choice not to add a social? Could that allow someone to slip past the blacklist? lol

 

MV

____________________________________________________________
EQ FICO - 710 as of 10/28/2010

700 Club
Epic Contributor
Posts: 24,352
Registered: ‎10-23-2007
0

Re: Amex Zync AU Question

I burned Amex and it took them a few years to notice I had Auth Accounts and promptly cancelled it... Fast forward a couple years and I was added to business account with no problem becuase no social was asked for... fast forward another couple years and Amex seems to have stopped verifying auth credit or past history, because I was able to be added back on all the accounts my family has, they report to my credit and everything.  I did it over the phone and rep told me in seconds that it was approved and card would be sent.  If for whatever reason the auth is declined it won't effect your account, so you could try it

Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
83 Cards and Counting :smileytongue:
Frequent Contributor
Posts: 477
Registered: ‎09-24-2010
0

Re: Amex Zync AU Question

Yes, you have a clear choice. All they ask for is the person's name, relationship, and birth date.  I asked if this will affect my credit score and she said no.  Keep in mind this won't go on her credit report since there is no SSN tied to it.

 

It's more of an "emergency" card for her.  But to my knowledge, even if you give them the persons SSN number there is still no inquiry, but would then report on her credit.

===========
TU: 745(TU98) | EQ: 774 | EX: ? | NO BADDIES!
What's in my wallet? AMEX Platinum, United Presidential Plus World Elite MC, AMEX JetBlue, Nordstrom Visa Sig, Chase Sapphire Preferred, Discover More, AMEX Zync, Citi AAdvantage Plat Select Visa, Banana Republic, Home Depot
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Amex Zync AU Question

That's interesting that they give you that option, but I'm not convinced that they won't find out that the would-be AU has a bad history with American Express. Name and DOB might well be all they need.

 

Remember, they're checking their internal records, not the credit reports. :smileywink:

 

Oh, and FWIW, Discover didn't ask for my SSN when DXH added me to his card back in the day, and it popped up on my credit reports immediately. SSN isn't necessary for an account to land on a report. (Which explains many of the accounts that show up that don't belong to the consumer anyway!)

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.