AU question

[increasingmyfico]

I'm thinking about adding myself to a friends Amex as an Au. I already have a relationship with Amex. Is there anything I should be concerned with? 

[wasCB14]

Presumably you mean to accept a friend's offer to add you?

Actually being the one to add yourself as an AU on another person's account (unless if maybe you were an account manager or something) could definitely invite problems.

That aside, there could be other concerns. 5/24 eligibility, high reporting balances, liability for the charges you make (I think), potential AU card fees on some cards with lots of perks.

[increasingmyfico]

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@wasCB14 wrote:

Presumably you mean to accept a friend's offer to add you?

Actually being the one to add yourself as an AU on another person's account (unless if maybe you were an account manager or something) could definitely invite problems.

That aside, there could be other concerns. 5/24 eligibility, high reporting balances, liability for the charges you make (I think), potential AU card fees on some cards with lots of perks.

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   I would have a friend add me to her account as an Au to pad my tcl. Not worried about 5/24, card has virtually no balance on a $25k limit etc.. just don't want issues since I have a primary account with same issuer

[wasCB14]

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@increasingmyfico wrote:

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@wasCB14 wrote:

Presumably you mean to accept a friend's offer to add you?

Actually being the one to add yourself as an AU on another person's account (unless if maybe you were an account manager or something) could definitely invite problems.

That aside, there could be other concerns. 5/24 eligibility, high reporting balances, liability for the charges you make (I think), potential AU card fees on some cards with lots of perks.

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   I would have a friend add me to her account as an Au to pad my tcl. Not worried about 5/24, card has virtually no balance on a $25k limit etc.. just don't want issues since I have a primary account with same issuer

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Oh okay.

I can use the same login for my Lowes Business AU card as I do for my other Amex cards, so no issue there. Being an account manager does require a separate login but it sounds like you won't need that.

[simplynoir]

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@increasingmyfico wrote:

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@wasCB14 wrote:

Presumably you mean to accept a friend's offer to add you?

Actually being the one to add yourself as an AU on another person's account (unless if maybe you were an account manager or something) could definitely invite problems.

That aside, there could be other concerns. 5/24 eligibility, high reporting balances, liability for the charges you make (I think), potential AU card fees on some cards with lots of perks.

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   I would have a friend add me to her account as an Au to pad my tcl. Not worried about 5/24, card has virtually no balance on a $25k limit etc.. just don't want issues since I have a primary account with same issuer

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Be aware that if/when you get added that you will not inherit the age of the account so essentially it's like you have a new account reporting. AMEX doesn't allow AUs to carry the primary's age of account (AoA) so something to keep in mind