topic Re: Authorized/Additional User on Amex in Credit Cards

Authorized/Additional User on Amex

ElleC — Fri, 19 Jul 2013 21:46:23 GMT

Does anyone know of a way to get the additional annual charge waived when adding an authorized user to an American Express charge card?

Re: Authorized/Additional User on Amex

pt310 — Fri, 19 Jul 2013 22:09:12 GMT

I just added my DD last month. They told me there would be no additional annual fee for her. My card is BCP, if that makes a difference.

Re: Authorized/Additional User on Amex

09Lexie — Fri, 19 Jul 2013 22:12:50 GMT

Which cc are you referring to? Some have no additional fee, while others do

Re: Authorized/Additional User on Amex

ElleC — Fri, 19 Jul 2013 22:21:53 GMT

It's the Green charge card. I thought it would be a good start with Amex and it would also help me and my husband to budget, stop carrying balances on credit cards while also using our debit cards less (for safety reasons).

The website lists a $30 extra annual fee to add up to 5 Authorized Users. That's absurd!

@09Lexie wrote:
Which cc are you referring to? Some have no additional fee, while others do

Re: Authorized/Additional User on Amex

09Lexie — Fri, 19 Jul 2013 22:33:05 GMT

AFs are to offset benefits. It's ultimately your decision if you wish to use/carry that Amex. There are others that do not have any AFs. They are revolvers not charge cards though.

Re: Authorized/Additional User on Amex

Peteyglad — Fri, 19 Jul 2013 23:26:49 GMT

That is partly why I got the PRG. No fee for the 1st 5 AU's.

Re: Authorized/Additional User on Amex

djc1puno — Sat, 20 Jul 2013 02:17:21 GMT

Just a quick q...what if your au has bad credit?

Re: Authorized/Additional User on Amex

Creditaddict — Sat, 20 Jul 2013 03:35:05 GMT

@djc1puno wrote:
Just a quick q...what if your au has bad credit?

no issue. will help them!

Re: Authorized/Additional User on Amex

djc1puno — Sat, 20 Jul 2013 05:57:11 GMT

Creditaddict...thank you! I thought i read somewhere here that it might affect the main holder...thanks for the insight!

Re: Authorized/Additional User on Amex

Anonymous — Sat, 20 Jul 2013 12:55:35 GMT

AU bad history won't affect you. If your card has some new baddies or high util then it will affect AU credit report.

Re: Authorized/Additional User on Amex

Open123 — Sat, 20 Jul 2013 16:54:17 GMT

For Amex AUs, the PRG is often a good option, since they're "free" up to 5. Depending on your spending and number of AUs, opting for the PRG may be a better option.