topic Re: American Express Co-signing? in Credit Cards

American Express Co-signing?

shyboy — Tue, 11 Mar 2008 03:26:20 GMT

hello it's me again shyboy. I was wondering if its possible to have a co-signer when applying for an amex card and if its possible if i get a co-signer does amex sends that other person the statements.

Re: American Express Co-signing?

Anonymous — Tue, 11 Mar 2008 03:27:19 GMT

shyboy wrote:
hello it's me again shyboy. I was wondering if its possible to have a co-signer when applying for an amex card and if its possible if i get a co-signer does amex sends that other person the statements.

Amex does not do joint accounts at all.

Amex does do authorized user accounts, but will only send statements to the primary cardholder.

Re: American Express Co-signing?

shyboy — Tue, 11 Mar 2008 03:28:40 GMT

so can they co-sign for me or not

Message Edited by shyboy on 03-10-2008 08:28 PM

Re: American Express Co-signing?

Anonymous — Tue, 11 Mar 2008 03:30:05 GMT

shyboy wrote:
so is that a yes or no

I gave the answer I gave to cover all bases because I don't know what you mean by "co-signer".

If you mean joint accounts, Amex doesn't do joint accounts.

If you mean AU accounts, Amex does AU accounts but don't send statements to the AU.

If that's not what you are asking, then can you rephrase you question?

Re: American Express Co-signing?

shyboy — Tue, 11 Mar 2008 03:32:50 GMT

what i mean is when im applying for an amex card can my dad include his information and income and ssn to get a better chance of getting an amex card

Re: American Express Co-signing?

shyboy — Tue, 11 Mar 2008 03:33:24 GMT

sorry for the misunderstanding

Re: American Express Co-signing?

Anonymous — Tue, 11 Mar 2008 03:34:31 GMT

shyboy wrote:
what i mean is when im applying for an amex card can my dad include his information and income and ssn to get a better chance of getting an amex card

OK, you are asking about a joint account. If you are getting an Amex in your own name, then no, Amex will not allow that.

Re: American Express Co-signing?

Anonymous — Tue, 11 Mar 2008 03:34:46 GMT

Nope-

He can open an account and add you as an AU-

Your example is a joint account- Amex does not do joint accounts

shyboy wrote:
what i mean is when im applying for an amex card can my dad include his information and income and ssn to get a better chance of getting an amex card

Re: American Express Co-signing?

Anonymous — Tue, 11 Mar 2008 03:36:25 GMT

shyboy wrote:
sorry for the misunderstanding

No worries. I'm glad we finally met in the middle.

Re: American Express Co-signing?

shyboy — Tue, 11 Mar 2008 03:37:11 GMT

thanks everyone for the quick response. I don't where i would be without this site and all its members. Thanks a million everyone.

Re: American Express Co-signing?

shyboy — Tue, 11 Mar 2008 03:38:48 GMT

would you guys happen to know if discovery card allow joint accounts? i little off topic LOL

Re: American Express Co-signing?

Anonymous — Tue, 11 Mar 2008 03:47:17 GMT

I asked HTSU to see if she could answer this-

Hang on-

shyboy wrote:
would you guys happen to know if discovery card allow joint accounts? i little off topic LOL

Re: American Express Co-signing?

haulingthescoreup — Tue, 11 Mar 2008 04:04:22 GMT

I'm currently an AU on DH's card. Last fall, when I called, they said that I could convert to joint without an inq. Later I have read that they are now doing a hard for the conversion.

So, yes, you can be an AU now, or at least they will let you continue as one. The question of converting to joint is a bit trickier.

I will say that Discover's CSR's are more knowledgeable (and good-natured!) than those of any other CCC, including American Express (gasp.) Your best bet would be to give them a call.

That's the best that I can do--slightly out-of-date info, I'm afraid.

Re: American Express Co-signing?

shyboy — Tue, 11 Mar 2008 04:09:04 GMT

thanks a million

Re: American Express Co-signing?

Anonymous — Tue, 11 Mar 2008 05:50:55 GMT

My mother had an Amex and then put me on her account. This is the only way I could get one. However, when she passed away, they revoked the card even though I had paid it off.... Amex is very particular about who keeps their cards.

Re: American Express Co-signing?

Anonymous — Tue, 11 Mar 2008 15:55:50 GMT

If your dad is reliable and willing to do this for you, having your own card in your name and making regular payments on it from an account in your name really will help you get your own Amex in future.

My mom added me to her Amex green account and I was issued a card with my name on it. They sent her the statements, but I could always access account information too. I'd just call customer service.

I always made sure to pay for my charges with checks or debits drawn from my checking account. After awhile, I was able to cancel that card and immediately get my own green when I otherwise wouldn't have qualified. My scores were in the low 600s. Plus, I'd defaulted on a green card and gold card in the past. I was told I was approved for the new green because I'd established a regular history of payment with Amex.

Re: American Express Co-signing?

shyboy — Tue, 11 Mar 2008 16:06:14 GMT

Thanks for the responses everyone