New Contributor
Posts: 158
Registered: ‎06-04-2011
Re: Negative affects of adding an AU?

DVH1980 wrote:

Im curious if there is a downside to adding my wife as an AU on my newly aquired Amex card. Her credit is pretty dismal but will be clean in 2 years. My main question is, when I request a CLI in the future, will having someone with less than stellar credit as an AU affect their decision to grant my CLI? Or worst case senario, woud AMex possibly consider closing my account because of the derogs on my AU's report?

My credit was horrible. Being an AU on my wifes cards actually shows up on my own CR and was a huge help in establishing my credit again. It hasnt affected her credit in any negative way we've been able to discern.


EQ FICO 735 as of June 17, 2011
EX FAKO 767 as of April 3rd, 2012
Citibank($10,000@10.74%) Discover($5000) CapitolOne($4500)
USBank($3000) AMEX($2000) BOA($2000) NRAVISA($4000)