How is this even possible?

[bigblue7722]

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@kroberts67 wrote:

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@ezdoesit wrote:

I agree definitely an AU.  I only know of Amex that has AU accounts with different numbers on the card than the primary.  It makes a lot of sense business wise for Amex or any other CCC for that matter.  Card is lost or stolen by the primary the AU doesn't have to wait and get another card they can keep charging away so the Amex can keeping making money instead of you using another card til the new one comes arrives.

As soon as my kids are old enough I will make them AU's on my Amex cards to set their MSD.  Which will teach them responsibility and also help their credit later on in life.

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All right, I have to ask...  what's MSD?

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member sense date. Its the date that you opened your first amex card. Like for me i opened mine in 2014 so my card says member sense 14. 

[Anonymous]

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@kroberts67 wrote:

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@ezdoesit wrote:

I agree definitely an AU.  I only know of Amex that has AU accounts with different numbers on the card than the primary.  It makes a lot of sense business wise for Amex or any other CCC for that matter.  Card is lost or stolen by the primary the AU doesn't have to wait and get another card they can keep charging away so the Amex can keeping making money instead of you using another card til the new one comes arrives.

As soon as my kids are old enough I will make them AU's on my Amex cards to set their MSD.  Which will teach them responsibility and also help their credit later on in life.

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All right, I have to ask...  what's MSD?

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Member Since Date

[kroberts67]

My son is an AU on my Cap1, Freedom, Penneys and Target, they give him his own card to use at his will but I am ultimately responsible for all payments.  

When I was going to add him I thought I would have "the credit talk" but instead he, very sternly, made sure that if I was going to put his credit on the line with mine that I would always PIF on everything.  Proud mama!  He has since gone from a thin file to a year of AU history plus was able to obtain his own credit union Visa which in it's 5th month now.  Onc ehe hits 6 mos of reporting he will aim for the Cosco Amex of his own, he goes there for gas.  

[kroberts67]

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@tcbofade wrote:

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@kroberts67 wrote:

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@ezdoesit wrote:

I agree definitely an AU.  I only know of Amex that has AU accounts with different numbers on the card than the primary.  It makes a lot of sense business wise for Amex or any other CCC for that matter.  Card is lost or stolen by the primary the AU doesn't have to wait and get another card they can keep charging away so the Amex can keeping making money instead of you using another card til the new one comes arrives.

As soon as my kids are old enough I will make them AU's on my Amex cards to set their MSD.  Which will teach them responsibility and also help their credit later on in life.

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All right, I have to ask...  what's MSD?

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Member Since Date:

It's a big deal to the Amex crowd, and can really help your AAoA down the road if you need it.

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Oh!  I didn't know one would keep a MSD as an AU!  

[linux007969]

to the people who think Authorized Users are not liable, I have my dad on my Bank of America Cash Rewards Visa Sig, and when adding an authorized user it says if i don't want to pay what he would charge i can call up and let them know so they can hold him responsible. They may be the only ones that might do that though, as it said no such thing when i added him to my Discover Card.

Just thought I would share my 2 cents.

[Anonymous]

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@linux007969 wrote:

to the people who think Authorized Users are not liable, I have my dad on my Bank of America Cash Rewards Visa Sig, and when adding an authorized user it says if i don't want to pay what he would charge i can call up and let them know so they can hold him responsible. They may be the only ones that might do that though, as it said no such thing when i added him to my Discover Card.

Just thought I would share my 2 cents.

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Never heard of such a thing.  And with BofA?  Is the account number on his card different from yours?

[linux007969]

his card has my account number on it.

Taken right from their page to add authorized users:

Important information: An authorized user will receive his or her own credit card, providing full access to your account. An authorized user will have full charging privileges on your account, but may be responsible only for the repayment of the charges he or she made on the account.

note at the end it actually says they may be responsible, may meaning its possible, so its not a no.

[Anonymous]

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@linux007969 wrote:

his card has my account number on it.

Taken right from their page to add authorized users:

Important information: An authorized user will receive his or her own credit card, providing full access to your account. An authorized user will have full charging privileges on your account, but may be responsible only for the repayment of the charges he or she made on the account.

note at the end it actually says they may be responsible, may meaning its possible, so its not a no.

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My first thought is that is "legalize" language to try to cover themselves in case you can't pay and they need more sources of repayment... I wouldn't be so sure how firm a ground they have against AU, after all, that is not the "regular business practice." something very important in law...

[linux007969]

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@Anonymous wrote:

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@linux007969 wrote:

his card has my account number on it.

Taken right from their page to add authorized users:

Important information: An authorized user will receive his or her own credit card, providing full access to your account. An authorized user will have full charging privileges on your account, but may be responsible only for the repayment of the charges he or she made on the account.

note at the end it actually says they may be responsible, may meaning its possible, so its not a no.

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My first thought is that is "legalize" language to try to cover themselves in case you can't pay and they need more sources of repayment... I wouldn't be so sure how firm a ground they have against AU, after all, that is not the "regular business practice." something very important in law...

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Ya really! Discover didn't say this as far as i know, and when i poked around my walmart account once, it said that the origional cardholder is responsible for authorized user cards or something to that effect. Capone might have said something simular but not sure.

[Anonymous]

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@Anonymous wrote:

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@linux007969 wrote:

his card has my account number on it.

Taken right from their page to add authorized users:

Important information: An authorized user will receive his or her own credit card, providing full access to your account. An authorized user will have full charging privileges on your account, but may be responsible only for the repayment of the charges he or she made on the account.

note at the end it actually says they may be responsible, may meaning its possible, so its not a no.

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My first thought is that is "legalize" language to try to cover themselves in case you can't pay and they need more sources of repayment... I wouldn't be so sure how firm a ground they have against AU, after all, that is not the "regular business practice." something very important in law...

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Yes, I agree.   Does the AU actually sign or agree to anyting?  Not as far as I remember.  When I fill out an app, I can specify the AUs, and the cards activate as one.  But maybe the T&Cs cover this in some sneaky way.