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I have a PRG that I recently got, and my DW is of course an AU. Now to help out my step brother with his credit I was thinking of adding him as an AU. Question is would Amex question this (maybe FR) considering we have different last names and have never shared an address Or would they not care as long as the account is paid and they get to keep collecting their fees.
Thanks I really wasn't worried about the FR per se just the intrusive part of it.
He did have a BK like 12 years ago when I asked him he couldn't remember if he had Amex then. I know your thinking what I thought how can you forget something like that.
I think if he did burn them on the BK then they would not even allow him to be a AU on my account is that correct?
@ezdoesit wrote:Thanks I really wasn't worried about the FR per se just the intrusive part of it.
He did have a BK like 12 years ago when I asked him he couldn't remember if he had Amex then. I know your thinking what I thought how can you forget something like that.
I think if he did burn them on the BK then they would not even allow him to be a AU on my account is that correct?
if he's still blacklisted, you wouldn't be able to add him as an AU.
@enharu wrote:
@ezdoesit wrote:Thanks I really wasn't worried about the FR per se just the intrusive part of it.
He did have a BK like 12 years ago when I asked him he couldn't remember if he had Amex then. I know your thinking what I thought how can you forget something like that.
I think if he did burn them on the BK then they would not even allow him to be a AU on my account is that correct?
if he's still blacklisted, you wouldn't be able to add him as an AU.
+1. The only time Amex cares about AUs are:
1. If that person is blacklisted due to BK or other major derog.
2. That AU spends more than the primary cardmember does. This is an issue for them because it'll appear that your credit scores were used to obtain a CC for someone else to use.
3. You add too many AUs. If you asked for 15 AUs on a personal card, it'll definitely raise some red flags.
Hmm AMEX really cares who their cardholders will be.
I am an AU on my wife's AMEX BCE for almost 6 months now and I am the only one who is using the card most and paying it full. AMEX did not do any FR on us as the AU is using more than the primary card holder. They don't care much about who is AU and what is he/she doing with the card as long as the account is being paid on time.
Being an AU does not help much either except getting credit scores bumped up.
@sghosh5 wrote:I am an AU on my wife's AMEX BCE for almost 6 months now and I am the only one who is using the card most and paying it full. AMEX did not do any FR on us as the AU is using more than the primary card holder. They don't care much about who is AU and what is he/she doing with the card as long as the account is being paid on time.
Being an AU does not help much either except getting credit scores bumped up.
Since you are the spouse that's using the card, chances are you will be fine, unless the level of spending is too high compared to income. Amex may be strict, but they are not unreasonable. It is completely understandable and normal for married couples to share their finances. In a way it's always going to be a YMMV situation.
+1 to the too many AUs.
Oh, I can tell you have I seen examples of AMEX and others being concerned when there were too many AUs.
@ezdoesit wrote:
He did have a BK like 12 years ago when I asked him he couldn't remember if he had Amex then. I know your thinking what I thought how can you forget something like that.
I don't recall every card I had at the time of my BK. Though I do recall having an AX.