topic Re: Amex Authorized user - Burned Amex in the past in Credit Cards

Amex Authorized user - Burned Amex in the past

tennisfan78 — Mon, 07 Aug 2017 16:00:48 GMT

I have burned Amex in the past. I have a better score and profile now. I tried to get back with Amex, but then never approved me, even though I have received pre-qualified offers from them.

My wife got an Amex card approved few months ago. I tried to have her add me as an authorized user, but it asks for additoanl users's date of birth and SSN. I kind of remember reading previously that Amex does not want the authorized user who is on their blocked list

Any body have some comments on this issue?

Re: Amex Authorized user - Burned Amex in the past

Anonymous — Mon, 07 Aug 2017 16:18:37 GMT

DH got an Amex approx 60 days ago, I burned Amex IIB and am blacklisted. They denied adding me as AU (SSN was required). stating they had previously closed an account of mine. Fast forward... this week DH clicked to add AU and was able to get me added without requiring SSN. There was a note in fine print that said SSN will be required within 60 days. Will be interesting to see if they shut my card down after 60 days (will provide SSN) or will let it go on good behavior.

Re: Amex Authorized user - Burned Amex in the past

simplynoir — Mon, 07 Aug 2017 16:41:37 GMT

AMEX will not allow anyone who has burned them in the past back in as an AU on someone else's account. Jlgab345 may have found a way around it temporairly but best guess is AMEX may shut the card down before the 60 days anyways once they match the bureau information with what they got on their files already.

Re: Amex Authorized user - Burned Amex in the past

Anonymous — Mon, 07 Aug 2017 17:00:13 GMT

They will shut down any AU account ta after 60 days if no SSN is provided.

Re: Amex Authorized user - Burned Amex in the past

Anonymous — Mon, 07 Aug 2017 17:06:06 GMT

Irish- correct, want to clarify that we will provide my SSN right before 60 days is up. Curious to see if they'll shut the card down once I've had it 60 days with good behavior.

Re: Amex Authorized user - Burned Amex in the past

tennisfan78 — Mon, 07 Aug 2017 17:10:15 GMT

Yup, ssn and dob are optional right now. But need to be provided with in 60 days. How long do you still have to provide SSN?

Re: Amex Authorized user - Burned Amex in the past

simplynoir — Mon, 07 Aug 2017 17:10:17 GMT

@Anonymous wrote:
They will shut down any AU account ta after 60 days if no SSN is provided.

Think he was hoping that showing responsible use on the card for that 60 day period will allow AMEX to continue letting him have the card after he provides the SSN.

Re: Amex Authorized user - Burned Amex in the past

Anonymous — Mon, 07 Aug 2017 17:22:28 GMT

I would prepare to receive a letter from RISK informing you of the account closure once you provide your SSN if they don't match you before then. You've already demonstrated poor borrowing behaviour with them.

Re: Amex Authorized user - Burned Amex in the past

mxp114 — Mon, 07 Aug 2017 17:45:42 GMT

The thing I find interesting is that the authorized user is not responsible for the account so why perpetually block them from ever getting an AU card?

Re: Amex Authorized user - Burned Amex in the past

simplynoir — Mon, 07 Aug 2017 17:59:51 GMT

@mxp114 wrote:
The thing I find interesting is that the authorized user is not responsible for the account so why perpetually block them from ever getting an AU card?

Now this is something I never quite understood myself.

Re: Amex Authorized user - Burned Amex in the past

Coolermaster007 — Mon, 07 Aug 2017 18:11:22 GMT

What do u mean is quite simple the AU that **bleep**ed then can become a problem for the original owner making him/her unable to pay for future charges therefor resulting in a default.doesnt matter if the AU is limited on charges amount is just youre a risk thats all.I think is for the best but thats just my opinion lol

Re: Amex Authorized user - Burned Amex in the past

Anonymous — Mon, 07 Aug 2017 19:32:09 GMT

I never sent au ssn#

Re: Amex Authorized user - Burned Amex in the past

Namaste7 — Mon, 07 Aug 2017 23:16:19 GMT

@simplynoir wrote:
AMEX will not allow anyone who has burned them in the past back in as an AU on someone else's account. Jlgab345 may have found a way around it temporairly but best guess is AMEX may shut the card down before the 60 days anyways once they match the bureau information with what they got on their files already.

YMMV. A number of factors may influence the decision of when/if, but it is possible to be added back as an AU if one previously burned AMEX. Time heals *most* wounds.

Re: Amex Authorized user - Burned Amex in the past

iced — Mon, 07 Aug 2017 23:46:19 GMT

@tennisfan78 wrote:
Yup, ssn and dob are optional right now. But need to be provided with in 60 days. How long do you still have to provide SSN?

There's a fair chance you'll be shut down as an AU, and in doing so you've tipped them off that there's another person (your wife) with ties to you. While unlikely that they will take any immediate AA against her for trying to bring you on, they may note that she tried to add a blacklisted AU. At best, this tactic looks sketchy and the chances they'll suddenly decide you're ok in their books after such a maneuver is low. It's just not worth it, to you or her, and there's plenty of other banks out there, so why go through all the trouble?

Re: Amex Authorized user - Burned Amex in the past

Anonymous — Sat, 12 Aug 2017 14:25:58 GMT

So the story continues....we got a letter from Amex 2 days ago reiterating the need to provide my SSN within 60 days, which we had every intention of doing so right at the 60 day mark. Fast forward one day, I got my AU card in the mail yesterday. When activating it I was required to enter my SSN. So I did, closed my eyes and poof, it actually gave me a screen to create a login! Funny enough, once I got in, it says I was a member since 2004 😂😂😂. So guess I'm back in(ish). I'll update if they end up shutting me down

Re: Amex Authorized user - Burned Amex in the past

Anonymous — Sat, 12 Aug 2017 16:05:07 GMT

@simplynoir wrote:
@mxp114 wrote:
The thing I find interesting is that the authorized user is not responsible for the account so why perpetually block them from ever getting an AU card?
Now this is something I never quite understood myself.

It's not only about risk, but also about policy. Amex is trying to communicate to people that defaulted in the past that if you want to have an Amex in the future you should not have burned them.

Re: Amex Authorized user - Burned Amex in the past

MakeItAMudLight — Tue, 10 Oct 2017 22:33:40 GMT

@Anonymous wrote:
So the story continues....we got a letter from Amex 2 days ago reiterating the need to provide my SSN within 60 days, which we had every intention of doing so right at the 60 day mark. Fast forward one day, I got my AU card in the mail yesterday. When activating it I was required to enter my SSN. So I did, closed my eyes and poof, it actually gave me a screen to create a login! Funny enough, once I got in, it says I was a member since 2004 😂😂😂. So guess I'm back in(ish). I'll update if they end up shutting me down

I was just curious if they left the account open after all this?

Re: Amex Authorized user - Burned Amex in the past

tennisfan78 — Tue, 07 Nov 2017 19:05:00 GMT

@Anonymous wrote:
So the story continues....we got a letter from Amex 2 days ago reiterating the need to provide my SSN within 60 days, which we had every intention of doing so right at the 60 day mark. Fast forward one day, I got my AU card in the mail yesterday. When activating it I was required to enter my SSN. So I did, closed my eyes and poof, it actually gave me a screen to create a login! Funny enough, once I got in, it says I was a member since 2004 😂😂😂. So guess I'm back in(ish). I'll update if they end up shutting me down

So, my wife did add me as an AU. Also, gave them my DOB and SSN. I received the card and activated it and been using it. I think it has been about a month or so. Received a letter yesterday that the newly added AU card needs to be verified/activated. I tried the link sent and it did let me proceed to create the login. After logging in, it says I was a member since 2001. Does this mean that they have accepted me? Hope so.

Re: Amex Authorized user - Burned Amex in the past

Anonymous — Wed, 08 Nov 2017 18:09:06 GMT

Yep my AU card is still open and active...just used it this morning in fact. No issues.

Re: Amex Authorized user - Burned Amex in the past

tennisfan78 — Wed, 08 Nov 2017 22:45:53 GMT

@Anonymous wrote:
Yep my AU card is still open and active...just used it this morning in fact. No issues.

Congratulations. Does this mean that you are not on their block list any more? Does it open up doors for other Amex credit cards for you?