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Adding loved one as Amex AU. Info needed.

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Funk-O-Meter
Contributor

Adding loved one as Amex AU. Info needed.

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.

Message 1 of 4
3 REPLIES 3
drkaje
Senior Contributor

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

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.


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Message 2 of 4
Funk-O-Meter
Contributor

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

But it will show on her report right?

 

Is she responsable for my charges if I default?

 

 

Message 3 of 4
drkaje
Senior Contributor

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

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.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 4 of 4
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