topic Re: Amex AU in Credit Cards

Amex AU

Repo-ed — Wed, 28 Mar 2012 02:52:56 GMT

So the DGF just added me as an AU to a GE Belk dept store card (3 years old, perfect Pmt Hx) and her Chase Amazon Visa (2 months old). She then contacted Amex(confirmed no 30day lates (5 years old) to add me as an AU to that card, and they wanted all of my personal info such as BD and SSN. She handed me the phone to give the information to the rep, and I asked if this was going to result in a HP or SP. She didn't know. Said she just sends the request on to "New Accounts" and they process the request.

Anyone here familiar with the Amex AU process and can provide me with some insight?

Re: Amex AU

TNTransplant — Wed, 28 Mar 2012 03:30:24 GMT

@Repo-ed wrote:
So the DGF just added me as an AU to a GE Belk dept store card (3 years old, perfect Pmt Hx) and her Chase Amazon Visa (2 months old). She then contacted Amex(confirmed no 30day lates (5 years old) to add me as an AU to that card, and they wanted all of my personal info such as BD and SSN. She handed me the phone to give the information to the rep, and I asked if this was going to result in a HP or SP. She didn't know. Said she just sends the request on to "New Accounts" and they process the request.

Anyone here familiar with the Amex AU process and can provide me with some insight?

I was added as an AU to an Amex in Jan, 2012, and it was NOT a hard pull.

Re: Amex AU

Anonymous — Wed, 28 Mar 2012 04:23:10 GMT

I have been an AU and my DH is now an AU on my account and there has never been a HP nor SP associated with it.

Re: Amex AU

Repo-ed — Wed, 28 Mar 2012 11:09:59 GMT

But you do recall giving them your date of birth as well as SSN, yes?

Re: Amex AU

navigatethis12 — Wed, 28 Mar 2012 11:28:02 GMT

I just added my little brother to mine. The reason they ask that stuff is because they do not allow people who have defaulted on American Express in the past to be additional card members. It also makes it easier to report to the bureaus if they have the social security number and birth date. No credit check is done.

Re: Amex AU

Repo-ed — Wed, 28 Mar 2012 12:31:24 GMT

@navigatethis12 wrote:
I just added my little brother to mine. The reason they ask that stuff is because they do not allow people who have defaulted on American Express in the past to be additional card members. It also makes it easier to report to the bureaus if they have the social security number and birth date. No credit check is done.

Got it, thanks!

Re: Amex AU

Anonymous — Wed, 28 Mar 2012 12:53:15 GMT

Sounds like someone owes their DGF a romantic night out!

Re: Amex AU

pizzadude — Wed, 28 Mar 2012 13:41:04 GMT

You can be added to a CC w/o providing your SSN # ~ also creditors could pull your CR without it. But as has been stated AMEX likely won't do a hard pull.

Re: Amex AU

Anonymous — Wed, 28 Mar 2012 16:50:43 GMT

I do not believe their will be a hard pull. However, Amex has been known to do a FR (Finanacial Review) when they feel it's needed. It may be why they are asking for those additional info.

Re: Amex AU

Anonymous — Wed, 28 Mar 2012 16:58:26 GMT

I feel I should chime in. I just put my mom on as my AU and they ask for the SSN and birthday to--as another person mentioned--check to make sure your AU hasn't had bad history with AMEX. It doesn't necessarily trigger an FR and it's a SP on their CR. Jennifer from Salt Lake City was a very helpful CSR. My mom's card should arrive any day now, but they usually advise that it takes 10-15 days to process/mail.

Also, if the AU already has an AMEX and you are adding them to your card, they cannot backdate their other cards to your member since date. So my mom opened a Macy's AMEX back in 2010, but only her Costco TE as an AU with me will show the member date from 1999. Of course, YMMV.

Re: Amex AU

Repo-ed — Wed, 28 Mar 2012 17:23:41 GMT

DGF contacted Amex "New Accounts" and they advised no SP or HP is involved. DOB and SSN required as they WILL attempt to contact AU for payment, if primary defaults.

DGF has clean pmt hx w/ AMEX and as far as the dinner, I'm PIF her acct, so that I can use it exclusively. Her Old Navy visa (NOT going to be an AU on this card) just gave her another auto-cli to 4k, so she's going to use that, while I rack up miles and keep my util% under 9.

Thanks for all the replies guys/gals

Re: Amex AU

Moes — Wed, 28 Mar 2012 21:43:09 GMT

I was just added as an AU on the AMEX BCE card. Is there a way we can track spending? Can I pay my own bill as an AU or is it all on one bill?

Re: Amex AU

Anonymous — Wed, 28 Mar 2012 21:53:05 GMT

I was under the impression they do not provide you with separate billing statements.

Re: Amex AU

Repo-ed — Wed, 28 Mar 2012 22:29:09 GMT

@Anonymous wrote:
I was under the impression they do not provide you with separate billing statements.

We were told we will not get seperate. In fact, they made sure I was aware that all points would go to her account and not to a new account of any kind for me. Which is fine.

Re: Amex AU

Moes — Thu, 29 Mar 2012 03:37:58 GMT

If the primary and AU have different addresses which one do they mail the card to?

Re: Amex AU

LS2982 — Thu, 29 Mar 2012 11:08:33 GMT

@Moes wrote:
If the primary and AU have different addresses which one do they mail the card to?

I would think the card goes to the primary's address.

Re: Amex AU

Repo-ed — Thu, 29 Mar 2012 11:24:05 GMT

@LS2982 wrote:
@Moes wrote:
If the primary and AU have different addresses which one do they mail the card to?
I would think the card goes to the primary's address.

None of the accounts we added each other as AUs asked for an address.

Re: Amex AU

LS2982 — Thu, 29 Mar 2012 11:28:47 GMT

@Repo-ed wrote:
@LS2982 wrote:
@Moes wrote:
If the primary and AU have different addresses which one do they mail the card to?
I would think the card goes to the primary's address.
None of the accounts we added each other as AUs asked for an address.

So it did go to primary then.

Re: Amex AU

Repo-ed — Thu, 29 Mar 2012 11:34:26 GMT

@LS2982 wrote:
@Repo-ed wrote:
@LS2982 wrote:
@Moes wrote:
If the primary and AU have different addresses which one do they mail the card to?
I would think the card goes to the primary's address.
None of the accounts we added each other as AUs asked for an address.
So it did go to primary then.

Yes Sir. But we live together, so it would show up here either way, lol.

But I'm guessing because no CC (except for Amex) asked for anything other than a first and last name. Amex wants the DOB and SSN for collection purposes only.

Re: Amex AU

LS2982 — Thu, 29 Mar 2012 13:55:58 GMT

So say if I wanted to add my DW to my AMEX next year they wouldn't check her credit?