American Express Corporate Card

[Anonymous]

I recently applied for my corporate card from American Express and seems AMEX went ahead and pulled my credit history. If I am applying the card through my company, why would Amex be pulling my credit history. And I work for 1 of the fortune 100 companies.

[1GaDawg85]

You are stil liable for the card....

[CreditCuriosity]

Disagree, your corporation is liable for the card if you are just a user on the card.  Makes no sense why they would pull your credit.  Yes you are liable to the company you work for if you misuse it, wouldn't believe Amex.

[ibmrad7]

Different corporations have different rules. It's not ALWAYS the case that your corporation is liable for the charges. I have one and I work for a Fotune 50 firm, any employee who agrees to get a corporate card is liable for the amount charged against his account. 

[CreditCuriosity]

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@ibmrad7 wrote:

Different corporations have different rules. It's not ALWAYS the case that your corporation is liable for the charges. I have one and I work for a Fotune 50 firm, any employee who agrees to get a corporate card is liable for the amount charged against his account. 

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It could be, but I still can't imagine a HP against your credit for a corporate Amex..  The administrator should just have to add you...  I don't know never had an Amex corporate card, but other company MC/Visa's where I wasn't ever pulled.

[ibmrad7]

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@CreditCuriousity wrote:

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@ibmrad7 wrote:

Different corporations have different rules. It's not ALWAYS the case that your corporation is liable for the charges. I have one and I work for a Fotune 50 firm, any employee who agrees to get a corporate card is liable for the amount charged against his account. 

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It could be, but I still can't imagine a HP against your credit for a corporate Amex..  The administrator should just have to add you...  I don't know never had an Amex corporate card, but other company MC/Visa's where I wasn't ever pulled.

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From the sound of it, it shouldn't be a HP but unfortunately they do. There are two different sets of corporate cards (At least for us and I don't know how they pick), one is more along the lines of Authorized User (just a SP) and other one that I have. No clue I fell into that bucket but couple of my colleagues got their cards without HP

[navajomyst2003]

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@ibmrad7 wrote:

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@CreditCuriousity wrote:

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@ibmrad7 wrote:

Different corporations have different rules. It's not ALWAYS the case that your corporation is liable for the charges. I have one and I work for a Fotune 50 firm, any employee who agrees to get a corporate card is liable for the amount charged against his account. 

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It could be, but I still can't imagine a HP against your credit for a corporate Amex..  The administrator should just have to add you...  I don't know never had an Amex corporate card, but other company MC/Visa's where I wasn't ever pulled.

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From the sound of it, it shouldn't be a HP but unfortunately they do. There are two different sets of corporate cards (At least for us and I don't know how they pick), one is more along the lines of Authorized User (just a SP) and other one that I have. No clue I fell into that bucket but couple of my colleagues got their cards without HP

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Can you use the HP to also get a personal Amex card?  Might as well get a benefit to you from it.

[Klesko]

Same for me. I recently got a Corp Amex and they HP me as well. From what I understand its a personall backed corp card. If you dont pay it goes against you and your credit. But it wont report unless you default on it. 

[ibmrad7]

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@navajomyst2003 wrote:

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@ibmrad7 wrote:

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@CreditCuriousity wrote:

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@ibmrad7 wrote:

Different corporations have different rules. It's not ALWAYS the case that your corporation is liable for the charges. I have one and I work for a Fotune 50 firm, any employee who agrees to get a corporate card is liable for the amount charged against his account. 

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It could be, but I still can't imagine a HP against your credit for a corporate Amex..  The administrator should just have to add you...  I don't know never had an Amex corporate card, but other company MC/Visa's where I wasn't ever pulled.

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From the sound of it, it shouldn't be a HP but unfortunately they do. There are two different sets of corporate cards (At least for us and I don't know how they pick), one is more along the lines of Authorized User (just a SP) and other one that I have. No clue I fell into that bucket but couple of my colleagues got their cards without HP

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Can you use the HP to also get a personal Amex card?  Might as well get a benefit to you from it.

I highly doubt but anyway I didn't know any better back then Lol

[red259]

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@ibmrad7 wrote:

Different corporations have different rules. It's not ALWAYS the case that your corporation is liable for the charges. I have one and I work for a Fotune 50 firm, any employee who agrees to get a corporate card is liable for the amount charged against his account. 

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Yes, some companies require their employees to pay the credit card bills for their individual company cards and then the company will reimburse expenses. Amex has a special corporate card program.