Adding self as an additional Gold Card on an Amex Plat?

[Anonymous]

For the OPs purposes, I would imagine there theoretically might be more concern with the card being in OP's name but being used by someone else (mother).  Now I do this too (spouse using my card which she doesn't have) but that seems more problematic than being your own AU.  I suspect both are a non issue!

[K-in-Boston]

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@simplynoir wrote:

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@Anonymous wrote:

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@simplynoir wrote:

I seriously don't understand why AMEX would be concerned with adding yourself as an authorized user on your own account. In the end the primary - which again is yourself - is responsible for all charges so it makes no difference which card is getting the spend it's all going to the same bill. I can imagine a scenario like the OP's where they just want to give a card to friend/family that cannot otherwise get one themselves. Others to separate expenses whether it be personal/business and so on. Honestly, depending on how long the OP's mom will be staying in the US he can probably just add her without a SSN and cancel the card once she goes back home

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They have their own rules in place what an AU can and cannot do. Plus there are credit reporting issues with being an AU. 

But if they can address those scenarios without causing issues with credit reporting and internal AU rules, it would be fine. It looks as if they've done that. Also, they would have to look out for any backdoor loopholes someone finds that can be exploited for fraudulent purposes. 

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Like what? I'm honestly asking here

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I would assume this is referencing the frequent bonuses that Amex offers for adding authorized users.

[simplynoir]

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@K-in-Boston wrote:

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@simplynoir wrote:

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@Anonymous wrote:

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@simplynoir wrote:

I seriously don't understand why AMEX would be concerned with adding yourself as an authorized user on your own account. In the end the primary - which again is yourself - is responsible for all charges so it makes no difference which card is getting the spend it's all going to the same bill. I can imagine a scenario like the OP's where they just want to give a card to friend/family that cannot otherwise get one themselves. Others to separate expenses whether it be personal/business and so on. Honestly, depending on how long the OP's mom will be staying in the US he can probably just add her without a SSN and cancel the card once she goes back home

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They have their own rules in place what an AU can and cannot do. Plus there are credit reporting issues with being an AU. 

But if they can address those scenarios without causing issues with credit reporting and internal AU rules, it would be fine. It looks as if they've done that. Also, they would have to look out for any backdoor loopholes someone finds that can be exploited for fraudulent purposes. 

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Like what? I'm honestly asking here

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I would assume this is referencing the frequent bonuses that Amex offers for adding authorized users.

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I'm talking OP's situation like @Remedios mentioned. If there is no bonus to speak of then what drawbacks are there?

[Anonymous]

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@simplynoir wrote:

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@Anonymous wrote:

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@simplynoir wrote:

I seriously don't understand why AMEX would be concerned with adding yourself as an authorized user on your own account. In the end the primary - which again is yourself - is responsible for all charges so it makes no difference which card is getting the spend it's all going to the same bill. I can imagine a scenario like the OP's where they just want to give a card to friend/family that cannot otherwise get one themselves. Others to separate expenses whether it be personal/business and so on. Honestly, depending on how long the OP's mom will be staying in the US he can probably just add her without a SSN and cancel the card once she goes back home

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They have their own rules in place what an AU can and cannot do. Plus there are credit reporting issues with being an AU. 

But if they can address those scenarios without causing issues with credit reporting and internal AU rules, it would be fine. It looks as if they've done that. Also, they would have to look out for any backdoor loopholes someone finds that can be exploited for fraudulent purposes. 

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Like what? I'm honestly asking here

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That one is harder to answer. People find loopholes all the time. 

I watched a few individuals about 10 years ago empty a vending machine without paying for any of the items. They installed a new feature in the vending machine when your item does not land in the bottom tray, your money is then returned. There was a way they were able to get the machine to think the item did not drop when it did, and then got their money back.

It's just something they'd have to guard against. And if someone finds it, they'll eventually stop it.

I know of a loophole with one of my cards where I can make a gas purchase and not pay for it. I know of it, it happened twice, and I purposely avoid that situation because I do not want to be part of that. Plus, if its done enough, it would bring attention to my account and they'd get me anyway lol.

[Anonymous]

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@K-in-Boston wrote:

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@simplynoir wrote:

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@Anonymous wrote:

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@simplynoir wrote:

I seriously don't understand why AMEX would be concerned with adding yourself as an authorized user on your own account. In the end the primary - which again is yourself - is responsible for all charges so it makes no difference which card is getting the spend it's all going to the same bill. I can imagine a scenario like the OP's where they just want to give a card to friend/family that cannot otherwise get one themselves. Others to separate expenses whether it be personal/business and so on. Honestly, depending on how long the OP's mom will be staying in the US he can probably just add her without a SSN and cancel the card once she goes back home

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They have their own rules in place what an AU can and cannot do. Plus there are credit reporting issues with being an AU. 

But if they can address those scenarios without causing issues with credit reporting and internal AU rules, it would be fine. It looks as if they've done that. Also, they would have to look out for any backdoor loopholes someone finds that can be exploited for fraudulent purposes. 

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Like what? I'm honestly asking here

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I would assume this is referencing the frequent bonuses that Amex offers for adding authorized users.

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I don't know if a lot of people would try to add themselves as AU, but if they didn't guard against it, that would be a problem.

[Brian_Earl_Spilner]

His question is why would it be a problem if there's nothing to gain.

[Brian_Earl_Spilner]

And what loophole could be taken advantage of if there's no benefit

[Remedios]

My unofficial stance 🤦‍♀️

My official stance 🤦‍♀️

The only thing I dont understand is why tinfoil emoji is not a thing. 

It should be. Heavy duty aluminum at that. 

[Brian_Earl_Spilner]

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@Remedios wrote:

My unofficial stance 🤦‍♀️

My official stance 🤦‍♀️

The only thing I dont understand is why tinfoil emoji is not a thing. 

It should be. Heavy duty aluminum at that. 

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But, did you order the code red?

[simplynoir]

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@Anonymous wrote:

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@K-in-Boston wrote:

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@simplynoir wrote:

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@Anonymous wrote:

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@simplynoir wrote:

I seriously don't understand why AMEX would be concerned with adding yourself as an authorized user on your own account. In the end the primary - which again is yourself - is responsible for all charges so it makes no difference which card is getting the spend it's all going to the same bill. I can imagine a scenario like the OP's where they just want to give a card to friend/family that cannot otherwise get one themselves. Others to separate expenses whether it be personal/business and so on. Honestly, depending on how long the OP's mom will be staying in the US he can probably just add her without a SSN and cancel the card once she goes back home

---

They have their own rules in place what an AU can and cannot do. Plus there are credit reporting issues with being an AU. 

But if they can address those scenarios without causing issues with credit reporting and internal AU rules, it would be fine. It looks as if they've done that. Also, they would have to look out for any backdoor loopholes someone finds that can be exploited for fraudulent purposes. 

---

Like what? I'm honestly asking here

---

I would assume this is referencing the frequent bonuses that Amex offers for adding authorized users.

---

I don't know if a lot of people would try to add themselves as AU, but if they didn't guard against it, that would be a problem.

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I feel like I'm talking circles with you. You're not answering my question aside from "this is harder to answer" because perhaps you don't have an answer