Another interesting question about being an authorized user on an AMEX

[tussking]

Since my credit life has been hell forever my father added me as an authorized user on his gold AMEX. I have had this card for many years and use it for work stuff. I see it reporting on my credit reports but shows the full balance usually 3-5k a month. How does this hurt or help me ? Should I be removed ? I really need it till I get a card of my own with 3-5k in limit. Damn all of this stuff just weighs me down...

[Scupra]

I don't remember how FICO calculates charge card balances, because I don't have one The utilization could possibly hurt you. I'm not a huge believer in AU accounts though so maybe someone else can chime in for you!