I read that AMEX only allows 3 AU to be created when made ONLINE, but unlimited when calling in. Is this correct? Or can I add more than 3 online? So far, I just created 2 AU for myself online, and had to enter my SSN. I'd rather just do it like this than call in, but not if there are limits.
Also, are there any pitfalls of creating many AU for myself when I have to enter SSN? I assume there's no hard credit pull. So if I spend and pay my bills responsibly, there will be NO consequences at all? It won't hurt my credit score and it won't affect my future applications for other credit cards?
I wanted to add that when I added my AU, I spelled my first name a little different. My name actually has 2 parts, and my primary card combined those 2 parts into 1 word. On the AU I applied for, I separated them, which is how it is on my ID. The fact that the AU have the same SSN but slightly different first name... I'm worried this might trigger FR.