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+1 Very true, they may say no to adding the AU. In addition it could trigger an F/R (financial review) for the entire account or just the user being added. Proceed with caution.
I got my wife as AU on my Barclay cc. If I stop paying for any reazon, I'm still responsable for all charges, her's and mine, they will go after me not her. That beeing said I guess they might get picky but legally an AU has no responsability on payments, it might trigger AR and all that but you are still the grantor.
I find it hard to believe the AU has responsibility for the account. I can add anyone to my account, as long as I know their SSN and info, with or without their knowledge. To assume joint-accountability for the account the AU would be required to sign documentation agreeing to the terms of the account.
@trevorgreene007 wrote:I find it hard to believe the AU has responsibility for the account. I can add anyone to my account, as long as I know their SSN and info, with or without their knowledge. To assume joint-accountability for the account the AU would be required to sign documentation agreeing to the terms of the account.
This is how AMEX is different ~ they don't have AUs. They have "additional cardmembers". Additional cardmembers can be held liable for their charges if the primary cardmember doesn't pay. Activating and using their AMEX makes additional cardmembers subject to their cardmember agreement.
Ah, I guess I could see that. Dang terminology! Better let my mom know she's liable for my AmEx charges
You might be right on Amex policy, but I doubt it will hold up in court. They will need to do at least 2 separate bills one for primary one for AU, for each account set up like these. They need to bill the person liable and if they don't do it, it will be a very shallow legal claim, since by law they got to send the bill. They might get lucky and both cardmembers got the same address and can put both names on the bill, but if one is on another address then they need to send 2 bills. Not sure how they do it but it will be a complicated legal issue if the OP defaults, to go against the AU.
On Amex's T&C, it stipulates that all AUs are responsible for "their" portion of charges if the Basic cardmember is unwilling or unable to pay. The AU's signing of the card means acceptance of the terms per the T&C.
Of course, if it isn't signed, the AU isn't bound by the T&C. In case of default, since the merchants accepted an "unauthorized" card, Amex will take the funds from the merchant, who will then in turn seek relief from the AU.
Either way, the AU charges will be paid.