topic I can't be an AU on my husband's Amex because IIB? in Credit Cards

I can't be an AU on my husband's Amex because IIB?

Anonymous — Fri, 20 Nov 2015 15:13:07 GMT

I just read that you can't be an AU on someone's Amex if you ever defaulted with them. I included them in BK 3 years ago. Strange they're the only creditor that seems to do that.

Re: I can't be an AU on my husband's Amex because IIB?

Anonymous — Fri, 20 Nov 2015 15:47:27 GMT

@Anonymous wrote:
I just read that you can't be an AU on someone's Amex if you ever defaulted with them. I included them in BK 3 years ago. Strange they're the only creditor that seems to do that.

That's correct. Amex will not allow you to be on the account

Re: I can't be an AU on my husband's Amex because IIB?

Anonymous — Fri, 20 Nov 2015 15:47:53 GMT

Amex NEVER forgets...sorry They can forgive (if you pay them after burning them).....but they never forget.

Good Luck

Gregg

Re: I can't be an AU on my husband's Amex because IIB?

takeshi74 — Fri, 20 Nov 2015 15:49:16 GMT

They're probably not the only though I can't think of others off the top of my head. Nothing strange about it unless you assume that all creditors are identical (they're not).

Re: I can't be an AU on my husband's Amex because IIB?

creditguy — Fri, 20 Nov 2015 17:03:16 GMT

Amex can be your best friend or worst enemy, they can be merciless.

Re: I can't be an AU on my husband's Amex because IIB?

Anonymous — Fri, 20 Nov 2015 17:04:49 GMT

+1000000000. So So True!!!!##

Re: I can't be an AU on my husband's Amex because IIB?

Creditwiser — Fri, 20 Nov 2015 17:07:24 GMT

Hang on......my DW is an AU on our Sons Amex and she settled a debt with Amex for less than full amount owed in 2011. She had no trouble being added to the account as an AU. While it's not a IIB, she did burn them just the same. Is there a difference ?

Re: I can't be an AU on my husband's Amex because IIB?

Anonymous — Fri, 20 Nov 2015 17:16:38 GMT

Credit wise I don't think so. It says AU has to be over 15 and never defaulted on an Amex. Hmmm

Re: I can't be an AU on my husband's Amex because IIB?

Anonymous — Fri, 20 Nov 2015 17:18:02 GMT

Amex considers a settled debt to be ok.....but no ticky....no washy

Re: I can't be an AU on my husband's Amex because IIB?

FinStar — Fri, 20 Nov 2015 20:02:23 GMT

@Creditwiser wrote:
Hang on......my DW is an AU on our Sons Amex and she settled a debt with Amex for less than full amount owed in 2011. She had no trouble being added to the account as an AU. While it's not a IIB, she did burn them just the same. Is there a difference ?

Yes, there is a BIG difference in AmEx's eyes. Some individuals have circumvented the AU IIB process in the past but they got more stringent about it. As far as COs or settled accounts, AmEx is more on the forgiving side than IIB, provided the CO or settled account has been satisfied.