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@CreditRookie22 wrote:
Is there any reason why they would deny me being an au on her acct
If you have defaulted with an account with Amex. However, some have still been added with a defaulted or IIB Amex account.
@CreditRookie22 wrote:
Hats off to you. U really know your stuff and are very knowledgeable. Thank u so very much
The forum is here for all of us to learn and share.
@CreditRookie22 wrote:
Is there any reason why they would deny me being an au on her acct
They should not as it is not a request for new credit such as a new card, limit increase, or line of credit; but rather a current cardholder promising to be responsible for an additional person's (typically a family member's) charges. This is why those with a thin file are encouraged to add themselves as AUs to a card with stronger history: as long as there are no lates or other derogs associated with the card, it is a great way to expand a credit file. Some CCCs do discount AU accounts when reviewing a potential customer and only consider cards on which they are primary users, but AU accounts do factor into your FICO exactly the same as if it was your own card.
They won't HP your CR so no worries on inq
@TheGardner wrote:They won't HP your CR so no worries on inq
+1
OP, you are not getting permission from them, your wife is instructing them to provide you with a card. As you have never had an AmEx before, there is no reason why you won't get the card and the resulting credit reporting. It's the easiest thing in the world, other than waiting for the card to arrive once you've ordered it!