Topic Wiki

AU Random Info

99 AU's free:
SPG Personal
SPG Biz
EDP
EDNP (non pref)
Blue Sky
Blue Cash Everyday
Blue for Business
Delta Personal
Delta Biz
BRG (add as green au's)
Plat Biz (add as green au's)
Green Biz

PRG is 5 AU's free..
Green Personal is 5 AU free the first year, after that its $30..

Jetblue?
Plum?
Plenti?
Costco?
Hilton Honors?
Mercedes Benz = $175 for 3 AU's
Serve = 4 AU's
Bluebird = 4 AU's

Do not add yourself as an AU with your SSN, it will come up on your credit report as a new account.

Author Topic: Authorized users  (Read 138794 times)

Online Saver2000

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Apr 2011
  • Posts: 7430
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Authorized users
« Reply #75 on: May 08, 2013, 06:40:47 PM »
Amex in the T&C's state they can hold the AU responsible for the AU's charges.
I did not know that. If that's the case, I stand corrected.

On a side note, if they don't have the AU's ss, what can they do to go after him?

Offline CountValentine

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2013
  • Posts: 3966
  • Total likes: 1
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Poland
  • Programs: DAOTYA
Re: Authorized users
« Reply #76 on: May 08, 2013, 06:58:44 PM »
On a side note, if they don't have the AU's ss, what can they do to go after him?
They can get the SS# from a soft pull of a CR.
REPOST!!!!!

Offline Shmulyg

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2012
  • Posts: 2467
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Kan Tzivah
Re: Authorized users
« Reply #77 on: May 08, 2013, 07:52:35 PM »
They can get the SS# from a soft pull of a CR.
Not really. They have no info other than the name (which even that isn't always correct). How would they know which John Smith you are?

Online Saver2000

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Apr 2011
  • Posts: 7430
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Authorized users
« Reply #78 on: May 08, 2013, 07:53:48 PM »
They can get the SS# from a soft pull of a CR.
You sure about that? They can get someones full ss from a soft pull??

Anyways, if the AU doesn't live at the same address as the primary holder, how will they have thr AU's info in order to do the soft pull?

EMES

  • Guest
Re: Authorized users
« Reply #79 on: May 08, 2013, 08:02:02 PM »
You sure about that? They can get someones full ss from a soft pull??

Anyways, if the AU doesn't live at the same address as the primary holder, how will they have thr AU's info in order to do the soft pull?
  ;) glad someone agrees they have no way to get your information or to know if its a legit name

Offline Shmulyg

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2012
  • Posts: 2467
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Kan Tzivah
Re: Authorized users
« Reply #80 on: May 08, 2013, 08:03:01 PM »
Amex in the T&C's state they can hold the AU responsible for the AU's charges.
Just wondering, even if they had his SSN, how can they hold him accountable if he never agreed to anything?

Offline CountValentine

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2013
  • Posts: 3966
  • Total likes: 1
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Poland
  • Programs: DAOTYA
Re: Authorized users
« Reply #81 on: May 08, 2013, 08:03:47 PM »
You sure about that? They can get someones full ss from a soft pull??

Anyways, if the AU doesn't live at the same address as the primary holder, how will they have thr AU's info in order to do the soft pull?
Not 100%.

There are tons of databases then can pull info from. Don't underestimate them.
REPOST!!!!!

Offline CountValentine

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2013
  • Posts: 3966
  • Total likes: 1
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Poland
  • Programs: DAOTYA
Re: Authorized users
« Reply #82 on: May 08, 2013, 08:05:08 PM »
Just wondering, even if they had his SSN, how can they hold him accountable if he never agreed to anything?
Good question. My guess is when you sign and use the card you are agreeing to the T&C's that came with it.
REPOST!!!!!

Offline Shmulyg

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2012
  • Posts: 2467
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Kan Tzivah
Re: Authorized users
« Reply #83 on: May 08, 2013, 08:07:12 PM »
Not 100%.

There are tons of databases then can pull info from. Don't underestimate them.
The names i come up with don't exist on any databases... :)

Offline CountValentine

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2013
  • Posts: 3966
  • Total likes: 1
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Poland
  • Programs: DAOTYA
Re: Authorized users
« Reply #84 on: May 08, 2013, 08:12:13 PM »
The names i come up with don't exist on any databases... :)
That is for the ethics thread.  :P
REPOST!!!!!

Offline Shmulyg

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2012
  • Posts: 2467
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Kan Tzivah
Re: Authorized users
« Reply #85 on: May 08, 2013, 08:14:22 PM »
Good question. My guess is when you sign and use the card you are agreeing to the T&C's that came with it.
Who signs their cards? Haven't done that in years.

Offline CountValentine

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2013
  • Posts: 3966
  • Total likes: 1
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Poland
  • Programs: DAOTYA
Re: Authorized users
« Reply #86 on: May 08, 2013, 08:19:53 PM »
Who signs their cards? Haven't done that in years.
That is for the ethics thread.  :P
REPOST!!!!!

Offline Shmulyg

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2012
  • Posts: 2467
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Kan Tzivah
Re: Authorized users
« Reply #87 on: May 08, 2013, 08:21:47 PM »
I don't think so. I don't sign because i just never get around to it.

Offline htg123

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jun 2012
  • Posts: 261
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: New York
Re: Authorized users
« Reply #88 on: May 08, 2013, 09:34:26 PM »
This all sounds ridiculous. If some random guy becomes an AU on a credit card. If his SS was not supplied, there's NO way to track him...you cant do a credit pull on somebody who has no credit.
Classic Example: Non-Resident Alien. They have a card. No SSN. No credit. No record they even exist.....Pretty Simple

Offline Zevwolf

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Apr 2013
  • Posts: 669
  • Total likes: 10
  • DansDeals.com Hat Tips 6
    • View Profile
Re: Authorized users
« Reply #89 on: May 08, 2013, 10:21:15 PM »
1) i was ask'd by capital one for ss from au for personal cc         
2)by chase and citi i was not asked but it showed on my wifes credit report as au       3)on my wife's credit score one of the positive factors was that her average credit limit was over 5k because her being an au on my account