If I apply to add someone as an authorized user on either of my Cap1 or Amex card...

[joestay]

If I apply to add someone as an authorized user, will I get a hard pull, soft pull, or no pull at all? Will the authorize user get a hard pull?

[DI]

No pull is required.  Just know that it's not guaranteed they will report the AU. 

[joestay]

Are you 100% positive about no pull happening? What if the authorized user has no credit history?

[DI]

I  add AU's to my accounts all the time and they nor I have received an inquiry because of it.  Plus, ever since I've been a member of this forum, I've never heard said thing to happen to anyone. 

[Anonymous]

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@joestay wrote:
Are you 100% positive about no pull happening? What if the authorized user has no credit history?

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Usually the Authorized User has no responsibility for payment, so their credit history is irrelevant.   There is no reason for a hard inquiry. 

However, American Express (the bank) has Authorized User Agreements which hold the Authorized User responsible for the AU charges, if the primary does not pay.  I would look carefully at the agreement.

[DI]

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@Anonymous wrote:

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@joestay wrote:
Are you 100% positive about no pull happening? What if the authorized user has no credit history?

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Usually the Authorized User has no responsibility for payment, so their credit history is irrelevant.   There is no reason for a hard inquiry. 

However, American Express (the bank) has Authorized User Agreements which hold the Authorized User responsible for the AU charges, if the primary does not pay.  I would look carefully at the agreement.

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AMEX seperates the account holder's charges from the AUs charges which is a good thing. 

[Walt_K]

Regarding Amex, I recently added my fiance as an AU to my PR Gold card.  The CSR told me that they may do a hard pull, soft pull, or no pull at all, but that she could not tell me which it would be.  We checked her report and there was no hard pull.  I suspect the CSR may have not known what she was talking about, but maybe they do perform hard pulls in certain situations.

[Anonymous]

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@Walt_K wrote:

Regarding Amex, I recently added my fiance as an AU to my PR Gold card.  The CSR told me that they may do a hard pull, soft pull, or no pull at all, but that she could not tell me which it would be.  We checked her report and there was no hard pull.  I suspect the CSR may have not known what she was talking about, but maybe they do perform hard pulls in certain situations.

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Did she have to sign anything?

[Creditaddict]

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@Walt_K wrote:

Regarding Amex, I recently added my fiance as an AU to my PR Gold card.  The CSR told me that they may do a hard pull, soft pull, or no pull at all, but that she could not tell me which it would be.  We checked her report and there was no hard pull.  I suspect the CSR may have not known what she was talking about, but maybe they do perform hard pulls in certain situations.

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The rep didn't know... No pull for Auth with anyone

[joestay]

I have the costco amex true earning card.  Does the authorize user have to be a costco member then to be an AU from me?