DansDeals.com Forums

DansDeals Forum => Credit Cards And Finance => Topic started by: Crazy tools on February 04, 2010, 04:13:13 PM

Title: Authorized users
Post by: Crazy tools on February 04, 2010, 04:13:13 PM
I have the Amex blue card and was thinking about adding on friends who don't have cards as authorized users so they can rent cars for Purim, I was just wondering if cancelling the cards after about a month or two will have any effect on my credit score.
Title: Re: Authorized users
Post by: Dan on February 04, 2010, 04:31:27 PM
I have the Amex blue card and was thinking about adding on friends who don't have cards as authorized users so they can rent cars for Purim, I was just wondering if cancelling the cards after about a month or two will have any effect on my credit score.
I don't think having authorized users will affect your credit score.
Title: Re: Authorized users
Post by: Evan on February 04, 2010, 06:29:11 PM
Cancelling will have no affect on your credit. If anything goes wrong with the car rentals that will definitely be on your credit even if you remove the autorized ones later.
Title: Re: Authorized users
Post by: Crazy tools on February 04, 2010, 06:47:02 PM
If anything goes wrong with the car rentals that will definitely be on your credit even if you remove the autorized ones later.
I called Amex and they said if one of the users crashes it will not effect my credit, and they also said that the authorized user can fill out all the paper work for insurance, so I don't have to go through the hassle.
Title: Re: Authorized users
Post by: SuperFlyer on February 04, 2010, 06:58:10 PM
Do me a favor and think it over 10 times before adding someone.

I know earning points sounds like fun, however, turning up for the invoice in case it goes wrong is painful.

Even if the guy is honest, you might still end up with:"my friend promised me that he would pay me back this week, i cannot believe he didnt keep his word...."

I'm telling you this, as Ive been a victim myself.
Title: Re: Authorized users
Post by: Crazy tools on February 04, 2010, 07:11:51 PM
Do me a favor and think it over 10 times before adding someone.

I know earning points sounds like fun, however, turning up for the invoice in case it goes wrong is painful.

Even if the guy is honest, you might still end up with:"my friend promised me that he would pay me back this week, i cannot believe he didnt keep his word...."

I'm telling you this, as Ive been a victim myself.
thanks I know what you mean, but this would just be to use for a rental which is paid up for by the yeshiva
Title: Re: Authorized users
Post by: Evan on February 05, 2010, 10:36:17 AM
I called Amex and they said if one of the users crashes it will not effect my credit, and they also said that the authorized user can fill out all the paper work for insurance, so I don't have to go through the hassle.

Maybe I wasnt clear enough. What I am trying to say is if for whatever reason there is a late payment from an autorized user even if you remove that card it will still be on the primary card holders account. Obviousley just an accident doesnt go on a credit report.
Title: Re: Authorized users
Post by: MisterHock on August 09, 2010, 03:53:48 PM
if im an authorized user, and the primary card holder has a debt, does that affect my credit/score?
Title: Re: Authorized users
Post by: AsherO on August 09, 2010, 03:55:59 PM
if im an authorized user, and the primary card holder has a debt, does that affect my credit/score?

It might. AFAIK if he has good credit it makes you more creditworthy, so it probably works both ways.
Title: Re: Authorized users
Post by: mancunian on August 09, 2010, 03:59:41 PM
if im an authorized user, and the primary card holder has a debt, does that affect my credit/score?

yes.
Title: Re: Authorized users
Post by: elikay on August 09, 2010, 07:59:23 PM
yes, personal experience.
Title: Re: Authorized users
Post by: MisterHock on August 09, 2010, 08:28:12 PM
thanks guys for all the help
does it make a differance if the card is on amex where
the user gave a ss# or visa where no ss# was given?
thanks!
Title: Re: Authorized users
Post by: AsherO on August 09, 2010, 08:40:57 PM
thanks guys for all the help
does it make a differance if the card is on amex where
the user gave a ss# or visa where no ss# was given?
thanks!

You're welcome, HTH.

If no SSN was given, I doubt it would affect their credit.
Title: Re: Authorized users
Post by: MisterHock on August 11, 2010, 01:24:06 PM
if i was an autherized user for half the lenth of my credit history on a card that has debt,
is it worth it to be removed from that card, or will that affect my credit even more?
thanks!
Title: Re: Authorized users
Post by: AsherO on August 11, 2010, 02:12:32 PM
if i was an autherized user for half the lenth of my credit history on a card that has debt,
is it worth it to be removed from that card, or will that affect my credit even more?
thanks!

I don't think debt is so bad on credit history if it is low-utilization (i.e. less than half the credit line on the card) and (minimum) payments are never late.
Title: Re: Authorized users
Post by: MisterHock on August 11, 2010, 02:20:34 PM
what about if it is not low-utilization?
thanks
Title: Re: Authorized users
Post by: AsherO on August 11, 2010, 03:26:23 PM
what about if it is not low-utilization?
thanks

I'm no expert, sorry.
Title: Re: Authorized users
Post by: MisterHock on August 11, 2010, 03:33:02 PM
thanks for all your help though....
if anyone else is able to help, i would appreciate it
thanks
Title: Re: Authorized users
Post by: AsherO on August 11, 2010, 03:38:37 PM
thanks for all your help though....
if anyone else is able to help, i would appreciate it
thanks

Why don't you get a look at your report/score/analysis and see how it shows?
Title: Re: Authorized users
Post by: MisterHock on August 11, 2010, 03:45:51 PM
i am doing that right now and just want to hear from some people
what they think before i do anything
Title: Re: Authorized users
Post by: AsherO on August 11, 2010, 03:49:31 PM
i am doing that right now and just want to hear from some people
what they think before i do anything


How does it show on your report? Does the service you're using give you an analysis of derogatory items on your report? Does that section show high utilization or debt?
Title: Re: Authorized users
Post by: MisterHock on August 11, 2010, 07:42:29 PM
yes it shows debt, but it would show debt if its 1 or 100g.
my question is how bad is that and is it worth it be be
removed as a card holder from that account.
thanks for all the help btw!
Title: Re: Authorized users
Post by: AsherO on August 11, 2010, 07:46:07 PM
yes it shows debt, but it would show debt if its 1 or 100g.
my question is how bad is that and is it worth it be be
removed as a card holder from that account.
thanks for all the help btw!

I don't think CC companies have an issue with debt per-se, it's how they make money. They have issues with risk, so utilization and/or late payments make them wary. It's really hard to tell whether it's better to keep it or drop it, I'm pretty certain the answer varies by lender and what they look for on your report.
Title: Re: Authorized users
Post by: mancunian on August 11, 2010, 07:48:08 PM
I don't think CC companies have an issue with debt per-se, it's how they make money. They have issues with risk, so utilization and/or late payments make them wary. It's really hard to tell whether it's better to keep it or drop it, I'm pretty certain the answer varies by lender and what they look for on your report.

and your specific circumstances. what is the % of utilization on that card? overall? if you dont mind getting specific.
Title: Re: Authorized users
Post by: MisterHock on August 11, 2010, 08:01:44 PM
and your specific circumstances. what is the % of utilization on that card? overall? if you dont mind getting specific.
its over 50% but i really cant be any more specific, sry
Title: Re: Authorized users
Post by: mancunian on August 11, 2010, 11:03:47 PM
sometimes its clear whats afffecting your score, if its low and theres only a few suspects as to why.

if the balance fluctuates you can watch it for a few months and see what the affect is. even if it fluctuates only a few percent, if its weighing it down you should see some difference in the score which will give you an idea as to how much a big balance decrease would affect.
Title: adding authorized user
Post by: myb821 on March 24, 2011, 11:11:13 AM
when adding an authorized user to an account and give their ss# do they get a hard pull on their credit
Title: Re: adding authorized user
Post by: AsherO on March 24, 2011, 01:36:14 PM
when adding an authorized user to an account and give their ss# do they get a hard pull on their credit

As an AU, no. As a joint account-holder, yes.
Title: Re: adding authorized user
Post by: myb821 on March 24, 2011, 02:25:26 PM
As an AU, no. As a joint account-holder, yes.
So if when I'm applying I add an au it will only pull on my credit and not the au correct
Title: Re: adding authorized user
Post by: AsherO on March 24, 2011, 02:26:41 PM
So if when I'm applying I add an au it will only pull on my credit and not the au correct

Yes. With some cards you don't even the the AU's SSN to add them (though that makes it less likely that they'll benefit from your credit history).
Title: Re: adding authorized user
Post by: karen on March 25, 2011, 09:37:24 AM
When you cancel the main card, will all the authorized cards be automatically canceled ?
Title: Re: adding authorized user
Post by: elikay on March 25, 2011, 11:05:42 AM
@karen
yes
Title: Re: adding authorized user
Post by: shach on March 25, 2011, 11:10:30 AM
So if when I'm applying I add an au it will only pull on my credit and not the au correct
amex asks for birth-date and has the option for SSN. as far as cc covered car rental insurance does an exact birth-date make a difference?(the rental companies certainly accept it the question is if u are really covered)
Title: Re: Authorized users
Post by: lcyitz on April 19, 2012, 02:50:49 PM
I added my friend as an autherized user with citi around 2-3 months ago ( he never had a cc but he has tried for a few)

did the 2-3 months help him enough to apply for his own now?
Title: Re: Authorized users
Post by: oldguy on April 19, 2012, 03:06:48 PM
i am doing that right now and just want to hear from some people
what they think before i do anything
I was a authorized user for a card that had a lot of debt and i got declined because of it but i kept it because it inflated my credit history by 3x but in the end it didn't even help me because when i got A/A'd by chase they told me that i only have 6 years real CH and the rest is just inflated.
Title: Re: Authorized users
Post by: lcyitz on April 19, 2012, 03:14:58 PM
i heard citi looks at an au differently 
Title: Re: Authorized users
Post by: meshugener on April 19, 2012, 03:34:22 PM
Yes, Chase don't recognize authorized users at all. The only way it should work with Chase is being a joint cardholder. (BTW, Citi don't allow joint cardholders anymore).
Title: Re: Authorized users
Post by: lcyitz on April 19, 2012, 03:36:54 PM
I made my friend an au on citi not a joint.....
Title: Re: Authorized users
Post by: meshugener on April 19, 2012, 03:38:53 PM
Am saying it wont help him when applying (or A/Ad) with Chase.
Title: Re: Authorized users
Post by: lcyitz on April 19, 2012, 03:45:59 PM
but would it help with a citi card?

either way he applied today for a citi forward and they said he will get an email within the next week with a response.
Title: Authorized users
Post by: izzchuck on November 20, 2012, 03:58:32 PM
I added 11 AUs to my spg account within 2 weeks of each other, and received all the cards. I havent heard from Amex about being F/Red. When do you guys think I can breathe easier?
Title: Re: Authorized users
Post by: michael on November 20, 2012, 04:05:45 PM
I added a few AUs to each Amex account I have. However, it seems that I mistakenly added the same family member twice to one Amex Gold account. She got two cc's, with different numbers, under the same account. Is it a problem for her to register them separately and use them?
Title: Re: Authorized users
Post by: JEWDA on November 20, 2012, 04:06:42 PM
I added 11 AUs to my spg account within 2 weeks of each other, and received all the cards. I havent heard from Amex about being F/Red. When do you guys think I can breathe easier?
Now.
I added a few AUs to each Amex account I have. However, it seems that I mistakenly added the same family member twice to one Amex Gold account. She got two cc's, with different numbers, under the same account. Is it a problem for her to register them separately and use them?
No
Title: Re: Authorized users
Post by: chaimmayer on November 20, 2012, 11:34:28 PM
I know there is another au thread but I can't find it.
Has anyone tried using real ss #'s for their kids who are too young to have a cc.  Would that work?  I have gotten a few letters recently requesting missing #'s.  I hope they're not trying to crack down.
Title: Re: Authorized users
Post by: txtmax4 on November 21, 2012, 01:09:39 AM
I have gotten a few letters recently requesting missing #'s.  I hope they're not trying to crack down.
Disregard
Title: Re: adding authorized user
Post by: Twin on April 05, 2013, 06:03:53 PM
When adding au how does it affect my credit the au declared bankruptcy 2 years ago
Title: Re: adding authorized user
Post by: Saver2000 on April 05, 2013, 06:05:01 PM
When adding au how does it affect my credit the au declared bankruptcy 2 years ago
It doesn't affect your credit.
Title: Re: Authorized users
Post by: yossi4k on April 11, 2013, 10:41:13 PM
Can AU's pay bills on Chase and Amex? Is it a FR risk?
Title: Re: Authorized users
Post by: Moshe123 on April 11, 2013, 10:50:22 PM
Can AU's pay bills on Chase and Amex? Is it a FR risk?

Dunno. Isn't that what AU is for?
Title: Re: Authorized users
Post by: yossi4k on April 11, 2013, 11:33:36 PM
Dunno. Isn't that what AU is for?
? To spend obviously. Who pays the bills the employee or employer?
Title: Re: Authorized users
Post by: sky121 on April 16, 2013, 12:37:53 PM
When I add a Au do they do a hard pull on me or just the au

Neither.
Title: Re: Authorized users
Post by: yossi4k on April 16, 2013, 03:30:25 PM
A rep @ amex just told me that they are unable to overnight au's like that used to..amex changed the rules
Title: Re: Authorized users
Post by: plainbachur on April 16, 2013, 05:29:20 PM
A rep @ amex just told me that they are unable to overnight au's like that used to..amex changed the rules
huca
Title: Re: Authorized users
Post by: Saver2000 on April 16, 2013, 05:31:58 PM
I was told this week by a rep that they can overnight AU cards only if the AU's ss# is on file.

I have no idea if he made that up or not. Just mentioning it as a data point.
Title: Re: Authorized users
Post by: Shvitzer on April 21, 2013, 11:25:23 PM
How can I add my kids under the age of 10 to my Amex cards?
I would like them to start building there credit.
I called and went on Amex website but authorize user most be at least 15 years of age
Is there any way around the Age limit?
Title: Re: Authorized users
Post by: CountValentine on April 22, 2013, 08:39:35 AM
Chase don't recognize authorized users at all.
100% wrong. Explain how someone gets a Chase card with only being AU's on other cards? Instant approval to boot!
Title: Re: Authorized users
Post by: meshugener on April 22, 2013, 09:36:22 AM
Maybe when its an instant approval its different, with recon it won't fly.
Title: Re: Authorized users
Post by: CountValentine on April 22, 2013, 09:41:21 AM
Maybe when its an instant approval its different, with recon it won't fly.
When human eyes look at it of course it is different. The trick is when someone is just starting out you want instant approvals. Adding AU's works great for this with all CC issuers including Chase. Once you get a few cards in your own name then let the games begin. This is not a sprint but a marathon. No more lessons today young grasshopper.  :)
Title: Re: Authorized users
Post by: yossi4k on April 26, 2013, 11:33:57 AM
Can bad credit of an au affect the primary cardholder negatively?
Title: Re: Authorized users
Post by: judahk88 on April 26, 2013, 11:34:41 AM
Can bad credit of an au affect the primary cardholder negatively?
I dont think so.
Title: Re: Authorized users
Post by: CountValentine on April 26, 2013, 11:36:24 AM
Can bad credit of an au affect the primary cardholder negatively?
I dont think so.
No.
Title: Re: Authorized users
Post by: puppylove78 on April 27, 2013, 09:52:44 AM
About 6 months ago I had an AU card overnighted, but had to request it. It may depend on the account (been w/ them forever w/ a lot of use, but AU SS is not on file)
Title: Re: Authorized users
Post by: tolch613 on May 08, 2013, 03:26:49 PM
i just spoke to a lady in chase she said

AU DOES IN FACT AFFECT  THE CREDIT SCORE OF THE AU USER
BUT NOBODY CAN COME AFTER HIM
Title: Re: Authorized users
Post by: lcyitz on May 08, 2013, 03:35:24 PM
Random: the other day I spoke to a chase rep and they told me they stopped making Joint Cardholders.
Title: Re: Authorized users
Post by: EMES on May 08, 2013, 03:43:16 PM
i just spoke to a lady in chase she said

AU DOES IN FACT AFFECT  THE CREDIT SCORE OF THE AU USER
BUT NOBODY CAN COME AFTER HIM
Depending on what kind of card it is , Business cards require u to provide the AU socail,, However personal cards do not hence i can have any name on  it etc,... No one to effect
Title: Re: Authorized users
Post by: meshugener on May 08, 2013, 05:03:43 PM
Depending on what kind of card it is , Business cards require u to provide the AU socail,, However personal cards do not hence i can have any name on  it etc,... No one to effect
-1
Title: Re: Authorized users
Post by: EMES on May 08, 2013, 05:05:25 PM
Depending on what kind of card it is , Business cards require u to provide the AU socail,, However personal cards do not hence i can have any name on  it etc,... No one to effect
+1
Title: Re: Authorized users
Post by: meshugener on May 08, 2013, 05:07:00 PM
+1
You're self-complimenting?
Title: Re: Authorized users
Post by: Saver2000 on May 08, 2013, 05:10:08 PM
Depending on what kind of card it is , Business cards require u to provide the AU socail,, However personal cards do not hence i can have any name on  it etc,... No one to effect
-2
Title: Re: Authorized users
Post by: Saver2000 on May 08, 2013, 05:13:12 PM
@tolch613
@EMES

Whether or not you add the AU's social to account,  it doesn't make any difference regarding responsibility.
They will not at all be responsible to pay the bill.

A joint holder is responsible.
Title: Re: Authorized users
Post by: Shmulyg on May 08, 2013, 05:21:13 PM
Depending on what kind of card it is , Business cards require u to provide the AU socail,, However personal cards do not hence i can have any name on  it etc,... No one to effect
-1
It depends on the issuer, not the type of card (and even the issuers that require, there are workarounds). Either way, no responsibilities, as others already pointed out.
Title: Re: Authorized users
Post by: EMES on May 08, 2013, 05:29:20 PM
-1
It depends on the issuer, not the type of card (and even the issuers that require, there are workarounds). Either way, no responsibilities, as others already pointed out.
+1 means its true just got off the phone with chase and requested  and Au with the name  dans deals and they were gonna send it to me on my Sp and not on my ink bold BECAUSE I NEED A SOCIAL ON BUSINESS CARDS.
Title: Re: Authorized users
Post by: Shmulyg on May 08, 2013, 05:59:19 PM
+1 means its true just got off the phone with chase and requested  and Au with the name  dans deals and they were gonna send it to me on my Sp and not on my ink bold BECAUSE I NEED A SOCIAL ON BUSINESS CARDS.
So from one phone call with Chase you're drawing conclusions to the entire CC industry? Interesting cognitive workings going on there.
Title: Re: Authorized users
Post by: Saver2000 on May 08, 2013, 06:02:55 PM
+1 means its true just got off the phone with chase and requested  and Au with the name  dans deals and they were gonna send it to me on my Sp and not on my ink bold BECAUSE I NEED A SOCIAL ON BUSINESS CARDS.
:o

Title: Re: Authorized users
Post by: CountValentine on May 08, 2013, 06:38:50 PM
Amex in the T&C's state they can hold the AU responsible for the AU's charges.
Title: Re: Authorized users
Post by: Saver2000 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?
Title: Re: Authorized users
Post by: CountValentine 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.
Title: Re: Authorized users
Post by: Shmulyg 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?
Title: Re: Authorized users
Post by: Saver2000 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?
Title: Re: Authorized users
Post by: EMES 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
Title: Re: Authorized users
Post by: Shmulyg 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?
Title: Re: Authorized users
Post by: CountValentine 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.
Title: Re: Authorized users
Post by: CountValentine 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.
Title: Re: Authorized users
Post by: Shmulyg 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... :)
Title: Re: Authorized users
Post by: CountValentine 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
Title: Re: Authorized users
Post by: Shmulyg 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.
Title: Re: Authorized users
Post by: CountValentine 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
Title: Re: Authorized users
Post by: Shmulyg 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.
Title: Re: Authorized users
Post by: htg123 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
Title: Re: Authorized users
Post by: Zevwolf 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
Title: Re: Authorized users
Post by: Saver2000 on May 08, 2013, 10:27:03 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.
-100

You have a lot to learn young grasshopper .
Title: Re: Authorized users
Post by: CountValentine on May 08, 2013, 11:04:37 PM
-100

You have a lot to learn young grasshopper .
Does not even qualify as a grasshopper.  :)
Title: Re: Authorized users
Post by: Dovi84w on May 09, 2013, 03:33:41 PM
Does an authorized user have potential to drag down the primary users credit if he/she subsequently gets other cards in their own name (due to getting history by joining your account for some months) and uses them irresponsibly. Would like to help some relatives earn a history but don't want problems down the road if they hurt their own credit later on. Furthermore is it better to add on users to Amex cards spread out over time? What's pace to add on without triggering F/R ( they won't be using cards just will have them by me to establish history for them). I have multiple Amex cards.
Title: Re: Authorized users
Post by: CountValentine on May 09, 2013, 03:37:40 PM
Does an authorized user have potential to drag down the primary users credit if he/she subsequently gets other cards in their own name...
No.
Title: Re: Authorized users
Post by: Centro on May 19, 2013, 10:21:18 AM
I remember reading somewhere about some cards have a fee to add an AU, can I add an AU ( or 2 ) on my SPG without any fees?
And will their spendings count to reach the 25k in 6 months?
Title: Re: Authorized users
Post by: Shmulyg on May 19, 2013, 10:29:18 AM
I remember reading somewhere about some cards have a fee to add an AU, can I add an AU ( or 2 ) on my SPG without any fees?
And will their spendings count to reach the 25k in 6 months?
Yes and yes.
Title: Re: Authorized users
Post by: Centro on May 19, 2013, 10:59:17 AM
Yes and yes.
Based on experience?
Title: Re: Authorized users
Post by: sky121 on May 19, 2013, 11:00:38 AM
Based on experience?

Yes.
Title: Re: Authorized users
Post by: Centro on May 19, 2013, 11:03:34 AM
Yes.
Great, tx!!
Title: Re: Authorized users
Post by: Centro on May 29, 2013, 12:45:33 PM
I just got in the mail the 2 cards for the au that I added to my SPG account, when I tried to set up these 2 cards online I got a msg that I can't have these cards linked to my online account I goto create a separate user name & pass, any idea what exactly this is? Is the spg different then other ones or what?
Title: Re: Authorized users
Post by: Smart on May 29, 2013, 01:15:52 PM
I just got in the mail the 2 cards for the au that I added to my SPG account, when I tried to set up these 2 cards online I got a msg that I can't have these cards linked to my online account I goto create a separate user name & pass, any idea what exactly this is? Is the spg different then other ones or what?

You don't need to create a new online account if YOU want to manage all cards, you can see them all by logging in with your current user ID and password

Only if you want to give access to an AU to manage just their card that's when you will need a new log in for them
Title: Re: Authorized users
Post by: AJK on May 29, 2013, 01:19:51 PM
Wow.

The misinformation on this thread by some new members is astounding.
Title: Re: Authorized users
Post by: Centro on May 29, 2013, 01:26:05 PM
You don't need to create a new online account if YOU want to manage all cards, you can see them all by logging in with your current user ID and password

Only if you want to give access to an AU to manage just their card that's when you will need a new log in for them
No, it gives me no other choice.


Wow.

The misinformation on this thread by some new members is astounding.
Was waiting for ur answer ;)
Title: Re: Authorized users
Post by: Centro on May 29, 2013, 03:01:05 PM
I just got in the mail the 2 cards for the au that I added to my SPG account, when I tried to set up these 2 cards online I got a msg that I can't have these cards linked to my online account I goto create a separate user name & pass, any idea what exactly this is? Is the spg different then other ones or what?
Bump
Title: Re: Authorized users
Post by: lfas25 on May 29, 2013, 03:36:30 PM
You don't need to create a new online account if YOU want to manage all cards, you can see them all by logging in with your current user ID and password

Only if you want to give access to an AU to manage just their card that's when you will need a new log in for them

I believe this is the correct answer. Unless I am confused by your question and his answer.
Title: Re: Authorized users
Post by: Centro on May 29, 2013, 06:45:27 PM
I believe this is the correct answer. Unless I am confused by your question and his answer.
It's not correct, he's saying that it's optional, but I was trying to add it to my account and I couldn't so I guess it's not optional, anybody with any info on this?
Title: Re: Authorized users
Post by: Smart on May 29, 2013, 07:26:30 PM
It's not correct, he's saying that it's optional, but I was trying to add it to my account and I couldn't so I guess it's not optional, anybody with any info on this?

No need to add it anywhere, you will automatically see any charges made by the AU under recent activity when you sign into your account
Title: Re: Authorized users
Post by: CountValentine on May 29, 2013, 08:05:09 PM
Wow.

The misinformation on this thread by some new members is astounding.
Feel free to correct them.  ;)
Title: Re: Authorized users
Post by: AJK on May 29, 2013, 08:48:15 PM
Feel free to correct them.  ;)

And miss out on all the young grasshoppers jumping all over the other young grasshoppers? Nah, too much fun.
Title: Re: Authorized users
Post by: Cbs on May 29, 2013, 09:10:46 PM
Does adding an Au on a business card help the credit of the user?
Title: Re: Authorized users
Post by: CountValentine on May 29, 2013, 09:42:28 PM
Does adding an Au on a business card help the credit of the user?
If they report like Discover it will help.
Title: Re: Authorized users
Post by: CountValentine on May 29, 2013, 09:45:45 PM
And miss out on all the young grasshoppers jumping all over the other young grasshoppers? Nah, too much fun.
Once they start to multiply there will be no stopping them.
Title: Re: Authorized users
Post by: Moshe123 on May 29, 2013, 09:48:35 PM
Once they start to multiply there will be no stopping them.

No stopping already.
Title: Re: Authorized users
Post by: Shmulyg on May 30, 2013, 09:56:19 AM
It's not correct
It is. Check. The cards are there. You can see them by hitting "GO TO ONLINE STATEMENT" on any card then use the "Card Activity for *****" scroll down on the top left.
Title: Re: Authorized users
Post by: AJK on May 30, 2013, 11:26:18 AM
It is. Check. The cards are there. You can see them by hitting "GO TO ONLINE STATEMENT" on any card then use the "Card Activity for *****" scroll down on the top left.

What he said ^.

You do not have to add AUs to an online profile.
Title: Re: Authorized users
Post by: Centro on May 30, 2013, 11:38:05 AM
It is. Check. The cards are there. You can see them by hitting "GO TO ONLINE STATEMENT" on any card then use the "Card Activity for *****" scroll down on the top left.
+1
Title: Re: Authorized users
Post by: maw on May 30, 2013, 01:32:44 PM
authorized user will be affected by someone debt only if its on that card I was effected by unpaid/charged off account 
Title: Re: Authorized users
Post by: Shmulyg on May 30, 2013, 01:59:03 PM
authorized user will be affected by someone debt only if its on that card
If that was a question, and i understood it correctly, the answer is no.
Title: Re: Authorized users
Post by: AJK on May 30, 2013, 02:05:13 PM
aAuthorized users will be affected by someone else's debt only if its it's on that card. I was effected by unpaid/charged off account.

FTFY

Grammar is a wonderful thing when used properly... or at all.

If that was a question, and i understood it correctly, the answer is no.

See above.

He is correct, but there is a simple solution -- just get the AU account removed from your CR.
Title: Re: Authorized users
Post by: Shmulyg on May 30, 2013, 02:15:39 PM
See above.

He is correct, but there is a simple solution -- just get the AU account removed from your CR.
Thought he was saying your CR only gets affected if your individual AU card is used. Believe it or not, I've encountered people with such views.
Title: Re: Authorized users
Post by: aryeh1 on June 04, 2013, 11:16:42 AM
Do authorized users on amex business cards get reported? I know in general the primary card user doesn't but never tried authorized users.
Title: Re: Authorized users
Post by: AJK on June 04, 2013, 11:52:32 AM
Business cards do not show up on one's personal report until and unless you begin defaulting.
Title: Re: Authorized users
Post by: aryeh1 on June 04, 2013, 11:57:33 AM
Business cards do not show up on one's personal report until and unless you begin defaulting.
Thanks
Including AUs?
Title: Re: Authorized users
Post by: CountValentine on June 04, 2013, 03:32:37 PM
Thanks
Including AUs?
For most business cards but not all. Some business cards do report to your CR so the AU's will also.
Title: Re: Authorized users
Post by: AJK on June 04, 2013, 03:49:38 PM

For most business cards but not all. Some business cards do report to your CR so the AU's will also.

For example?
Title: Re: Authorized users
Post by: meshugener on June 04, 2013, 06:04:22 PM
For example?
I think HelpMe once said its Discover.
Title: Re: Authorized users
Post by: CountValentine on June 04, 2013, 06:05:11 PM
For example?
AFAIK two that still report are Discover and Cap1. Many smaller ones also but can't remember.
Title: Re: Authorized users
Post by: AJK on June 04, 2013, 08:58:56 PM
Interesting. Do they also sit on the business CR?
Title: Re: Authorized users
Post by: aryeh1 on June 04, 2013, 09:25:56 PM
Interesting. Do they also sit on the business CR?
There is a business cr? Even for sole proprietor
Title: Re: Authorized users
Post by: CountValentine on June 05, 2013, 12:27:23 AM
Interesting. Do they also sit on the business CR?
Last time a pulled a BR was around 08-09. At that time I had 10-15 (AOR days) different business cards. IIRC the only ones that showed up on the report were Amex cards.
Title: Re: Authorized users
Post by: Feivish on June 06, 2013, 06:39:36 PM
Anyone know if I can apply for a card that I have already as a authorized user?.
Title: Re: Authorized users
Post by: Centro on June 06, 2013, 07:23:13 PM
Anyone know if I can apply for a card that I have already as a authorized user?.
Chase you fsure could cause they don't ask for ur ss when you're added as an au, with amex I'm x sure.
Title: Re: Authorized users
Post by: Shmulyg on June 06, 2013, 07:23:23 PM
Anyone know if I can apply for a card that I have already as a authorized user?.
Yes, you can.
Title: Re: Authorized users
Post by: Shmulyg on June 06, 2013, 07:25:57 PM
Chase you fsure could cause they don't ask for ur ss when you're added as an au, with amex I'm x sure.
No difference what company. The only time it's an issue is when you're a joint account holder, AFAIK.
Title: Re: Authorized users
Post by: Feivish on June 06, 2013, 07:42:46 PM
No difference what company. The only time it's an issue is when you're a joint account holder, AFAIK.
And how about a card that I'm currently a joint and I downgrade to au, in this case the bank has the ssn, will I still be able too?
Title: Re: Authorized users
Post by: Shmulyg on June 06, 2013, 07:50:46 PM
And how about a card that I'm currently a joint and I downgrade to au, in this case the bank has the ssn, will I still be able too?
As long as you're no longer a joint, you should be fine.
Title: Re: Authorized users
Post by: lyla on June 06, 2013, 11:43:57 PM
Just got another email from amex requesting SS#s for authorized users. Should I continue to ignore? The last email was a couple of months ago.
Title: Re: Authorized users
Post by: Shmulyg on June 07, 2013, 12:06:00 AM
Just got another email from amex requesting SS#s for authorized users. Should I continue to ignore? The last email was a couple of months ago.
Me too.
Yup. Ignore.
Title: Re: Authorized users
Post by: lyla on June 07, 2013, 12:09:16 AM
Thanks. I was starting to worry that they were after me.
Title: Re: Authorized users
Post by: Shmulyg on June 07, 2013, 12:16:18 AM
Thanks. I was starting to worry that they were after me.
They've been "after me" for years...
Title: Re: Authorized users
Post by: aryeh1 on June 07, 2013, 03:27:35 PM
I added an AU on an amex biz card, they said its processing and wasnt approved yet bec there's no date of birth.  Doesn't the number get issued right away usually?
Title: Re: Authorized users
Post by: n198ua on June 07, 2013, 05:00:46 PM
I added an AU on an amex biz card, they said its processing and wasnt approved yet bec there's no date of birth.  Doesn't the number get issued right away usually?

I've found that BIZ cards are different.  When I add AU's to personal cards they're approved right away, BIZ cards take a few days and I've even had an instance when an AU ("employee") was denied due to past default with Amex.
Title: Re: Authorized users
Post by: aryeh1 on June 07, 2013, 06:10:00 PM
I've found that BIZ cards are different.  When I add AU's to personal cards they're approved right away, BIZ cards take a few days and I've even had an instance when an AU ("employee") was denied due to past default with Amex.
Thanks can Au be added on biz cards workout dob or ssn just like personal amex cards
Title: Re: Authorized users
Post by: n198ua on June 07, 2013, 11:10:37 PM
Thanks can Au be added on biz cards workout dob or ssn just like personal amex cards

Not sure, log into your account online and add a user and see what they ask for.
Title: Re: Authorized users
Post by: Shmulyg on June 08, 2013, 09:45:12 PM
Thanks can Au be added on biz cards workout dob or ssn just like personal amex cards
Unless there was a recent change, yes.
Title: Re: Authorized users
Post by: 12HRS on June 09, 2013, 12:18:21 AM
Anyone ever had any luck adding a cosigner to an account? I want to add my wife to one if my accounts(specifically a car loan that has been paid for the last 4 years) to build her credit history. She already is an AU on my accounts and got declined for a 2BM recently.
Title: Re: Authorized users
Post by: Zevwolf on June 09, 2013, 11:38:23 AM
Could you add your business (tax idn) to your personal account as an authorised user? If yes will it build my business credit?
Title: Re: Authorized users
Post by: EMES on June 09, 2013, 01:52:20 PM
Could you add your business (tax idn) to your personal account as an authorized user? If yes will it build my business credit?
I am under the impression that a business tax id does not build any credit for the business if there is a personal social involved.  although its great to have business cards so your utilization ratio is not reflected . but if u were to default on A business  card u will be liable.
Title: Re: Authorized users
Post by: wayfe on June 10, 2013, 09:16:22 PM
I'd like to help somebody build their credit (no bad credit, pretty much same range as me, but somehow not being approved for cc's) by adding them as an AU.

Which of these cards would be the best option?

My oldest BofA card

New BofA card with largest credit limit

Amex charge card

Chase Freedom

Discover card

Thanks.
Title: Re: Authorized users
Post by: aryeh1 on June 11, 2013, 12:51:21 AM
I'd like to help somebody build their credit (no bad credit, pretty much same range as me, but somehow not being approved for cc's) by adding them as an AU.

Which of these cards would be the best option?

My oldest BofA card

New BofA card with largest credit limit

Amex charge card

Chase Freedom

Discover card

Thanks.
Amex as when he applies for amex the opening date on his credit report will show from date your card was established
Title: Re: Authorized users
Post by: Saver2000 on June 11, 2013, 02:01:20 AM
I'd like to help somebody build their credit (no bad credit, pretty much same range as me, but somehow not being approved for cc's) by adding them as an AU.

Which of these cards would be the best option?

My oldest BofA card

New BofA card with largest credit limit

Amex charge card

Chase Freedom

Discover card

Thanks.
I would say oldest BOA cc.

Amex as when he applies for amex the opening date on his credit report will show from date your card was established
He's looking to build credit before he has any cc.
Title: Re: Authorized users
Post by: CountValentine on June 11, 2013, 02:05:00 AM
Amex as when he applies for amex the opening date on his credit report will show from date your card was established
Are you sure about that?
Title: Re: Authorized users
Post by: Zevwolf on June 12, 2013, 11:38:22 PM
If i'm added as an authorised user on a card with a large credit line, could I spend now on my cards more, or I need to have a low utilisation on my own cards?
Title: Re: Authorized users
Post by: AJK on June 13, 2013, 01:04:36 AM
1) The fact that your an AU on account does not gaurantee that account will show up on your CR, rendering your question moot.

2) Even if it definitely did show up on your CR, the fact that your an AU means your generally not responsible for the charges, which means the fact that it's a large line is meaningless to your personal, liable, credit lines.
Title: Re: Authorized users
Post by: Shreknit on June 13, 2013, 11:17:53 AM
1) The fact that your an AU on account does not gaurantee that account will show up on your CR, rendering your question moot.

Uh oh. Did someone who runs the hall of shame make a spelling mistake?
Title: Re: Authorized users
Post by: AJK on June 13, 2013, 11:21:19 AM
Uh oh. Did someone who runs the hall of shame make a spelling mistake?

Yep. Was on mobile. But it's clear your reading comprehension skillz aren't up to snuff if you think that qualifies.
Title: Re: Authorized users
Post by: Shreknit on June 13, 2013, 12:40:18 PM
Yep. Was on mobile. But it's clear your reading comprehension skillz aren't up to snuff if you think that qualifies.

I guess I can't be an editor for the hall of shame.
Title: Re: Authorized users
Post by: AJK on June 13, 2013, 12:47:13 PM
I guess I can't be an editor for the hall of shame.

Perhaps not yet. Maybe one day... :)
Title: Re: Authorized users
Post by: aviz on June 13, 2013, 08:55:22 PM
hey not sure if this is the right thread... but figured its a good place for people to see...

So my little brother whos 21 ... never had a cc or anything and wanted to get a card. So i tried to pull a citi identity monitor so i can see if he had any credit good/bad.  It turns out they couldn't even get a report cause no credit reports were ever even generated for him. anyway I told him to hold off applying, meanwhile I added him as an AU  on 2 of my oldest cards  (a chase freedom, and a Capital one card) my first 2 cards. anyway fast forward about 4-5 months.... I just pulled his experian report .. and he indeed had a report ... showed 2 accounts with the full credit history of each card .. about 5.5 years... and showed his debt to credit ratio of like 5% since I only had like a 400 dollar balance on 8k of credit on the last closing date of one of the cards. anyway they showed a credit score of like 788 ! (better then ME!) anway.. i think the transunion report only showed a credit hostory of like 2.5 years for some reason .. not sure why.. so this a great example of this working nicely ..

quick question for the veterans here though.... now that i'm going to try to apply for his own card.. is it worth trying to go after a rewards card .. or better play it safe with like trying to get him a freedom or something .. and wait a little longer for him to have something with his own name?
Title: Re: Authorized users
Post by: aviz on June 13, 2013, 10:40:42 PM
Just to update from the previous post....

So i Applied for Chase Freedom and got Declined - They say they are really strict and don't count AU's in there analysis- anyway I'll HUCA it ..
 
but anyway went ahead and applied for one of Citi's beginner cards (college student card) and got approved for 2.5k  CL .
Title: Re: Authorized users
Post by: DP7 on June 23, 2013, 06:55:08 AM
Which cards have you been added as an AU on that have been backdated on your credit report to the age of the card? Does every card work that way? Seemed to me only certain cards worked for this based on my understanding of Dan at the seminar. Thanks for your help.
Title: Re: Authorized users
Post by: LA2NYC on June 23, 2013, 02:43:03 PM
1) A bit late to the party here, but what did people do for Amex's SBS to get ~10 AUs (or something like that)?

If you just wanted to add cards for that purpose, what was the process?

2) I've been told Amex asks for SSN for AU, Chase personal does not.  Does Chase business require?

Thanks!
Title: Re: Authorized users
Post by: A European on June 23, 2013, 02:49:23 PM
1) A bit late to the party here, but what did people do for Amex's SBS to get ~10 AUs (or something like that)?

If you just wanted to add cards for that purpose, what was the process?

2) I've been told Amex asks for SSN for AU, Chase personal does not.  Does Chase business require?

Thanks!
http://forums.dansdeals.com/index.php?topic=13236.0
Title: Re: Authorized users
Post by: LA2NYC on June 23, 2013, 02:51:26 PM
You're sending me on a scavenger hunt across DDF!

So that forum answers question 1 about Amex AUs, what about question 2 about Chase business?

Thanks!
Title: Re: Authorized users
Post by: A European on June 23, 2013, 02:57:01 PM
You're sending me on a scavenger hunt across DDF!

So that forum answers question 1 about Amex AUs, what about question 2 about Chase business?

Thanks!
They are just asking you for it but you don't have to give it, you could say that you don't have it handy.
Title: Re: Authorized users
Post by: 123ablack on June 23, 2013, 03:59:50 PM
I'm thinking of adding a friend of mine as an "Authorizrd User" on Amex SPG card to build his credit a bit.

His credit is bed with 2 collections that were recently settled (in process of deleting the negatives)
If I enter his social security number is there any chance Amex won't approve him as an Authorized User?

Does Amex ever deny Authorized Users?

P.S. he never had an account with Amex so he didn't mess up with them.
Title: Re: Authorized users
Post by: AJK on June 23, 2013, 05:56:54 PM
The answer is yes, sometimes they do.

But as long as his history is clear with AmEx they'll likely approve it.
Title: Re: Authorized users
Post by: cozmohoot on August 13, 2013, 09:36:01 AM
i know chase doesnt need the ssn for an au. does amex allow an au without ssn?
do i have to sm them?
same q for citi and barclay...
Title: Re: Authorized users
Post by: Marco Polo on August 13, 2013, 09:37:32 AM
i know chase doesnt need the ssn for an au. does amex allow an au without ssn?
do i have to sm them?
same q for citi and barclay...
This has been discussed somewhere here... I believe you can get an AU card and say you do not have the SSN in front of you and will call back. You then just don't call back and disregard any mail they may send about it. Someone please CMIIW.
Title: Re: Authorized users
Post by: cozmohoot on August 13, 2013, 09:42:19 AM
I always check for a wiki but reading through pages is tough
Title: Re: Authorized users
Post by: Marco Polo on August 13, 2013, 09:43:51 AM
I always check for a wiki but reading through pages is tough
Agreed. Especially when there are many many pages.
Title: Re: Authorized users
Post by: cozmohoot on August 13, 2013, 09:48:22 AM
Discussed here too. http://forums.dansdeals.com/index.php?topic=13236.0
Title: Re: Authorized users
Post by: Shmulyg on August 13, 2013, 04:10:11 PM
This has been discussed somewhere here... I believe you can get an AU card and say you do not have the SSN in front of you and will call back. You then just don't call back and disregard any mail they may send about it. Someone please CMIIW.
You're not :)
Title: Re: Authorized users
Post by: cozmohoot on August 13, 2013, 04:30:33 PM
You're not :)
thats good too
Title: Re: Authorized users
Post by: HP58 on September 16, 2013, 09:27:59 PM
If I just became an AU on my father's Amex PRG 3 months ago do I automatically have 15 years history w/ Amex?
Title: Re: Authorized users
Post by: CountValentine on September 16, 2013, 10:46:07 PM
If I just became an AU on my father's Amex PRG 3 months ago do I automatically have 15 years history w/ Amex?
No.
Title: Re: Authorized users
Post by: HP58 on September 17, 2013, 12:05:15 AM
No.
So what are the chances of me being approved for SPG personal & biz via 2bm? ( I have 12 mo. of credit history, good credit-paying on time, low utilization etc.- & 4 CCs (Capitol One, Discover, BR Visa, Barclays). Last time I applied was 6 mo. ago 4 Barclays).
Title: Re: Authorized users
Post by: Lh15 on September 30, 2013, 09:29:27 PM
Are there any other cards (other than Amex) that report an a/u?
Title: Re: Authorized users
Post by: Myccrabbi on September 30, 2013, 09:47:14 PM
I got my expirien from 690 to 740 just by being an AU for 3 months

Title: Re: Authorized users
Post by: CountValentine on September 30, 2013, 10:03:12 PM
Are there any other cards (other than Amex) that report an a/u?
A better question would be " Are there any cards that don't report AU's?
Title: Re: Authorized users
Post by: Myccrabbi on September 30, 2013, 10:04:30 PM
A better question would be " Are there any cards that don't report AU's?
+1

Title: Re: Authorized users
Post by: Super Speed on October 03, 2013, 01:00:09 AM
+1
AU without SS# are not affected and most places besides Amex don't request the AUs SS# CMIIW.

Title: Re: Authorized users
Post by: Shmulyg on October 03, 2013, 01:51:38 AM
AU without SS# are not affected and most places besides Amex don't request the AUs SS# CMIIW.
You are.
Title: Re: Authorized users
Post by: Marco Polo on October 03, 2013, 08:43:51 AM
AU without SS# are not affected and most places besides Amex don't request the AUs SS# CMIIW.
You can get the card initially without the SS#, but they will ask you to send the information in.
Title: Re: Authorized users
Post by: Super Speed on October 03, 2013, 08:47:18 AM
You are.
Who else?

Title: Re: Authorized users
Post by: Shmulyg on October 03, 2013, 01:27:20 PM
Who else?
You're wrong about the first half of your statement. Scroll back a bit and read.
Title: Re: Authorized users
Post by: Super Speed on October 03, 2013, 01:49:33 PM
You're wrong about the first half of your statement. Scroll back a bit and read.
How could you get affected if they don't have your SS#?

Title: Re: Authorized users
Post by: tageed-lee on October 03, 2013, 01:52:25 PM
You can get the card initially without the SS#, but they will ask you to send the information in.

IME I called Amex a couple of times and wasnt able to get AU's added without SSN's.
Can anyone explain the pro(s) and con(s) of them having vs not having the AU's SSN?
Title: Re: Authorized users
Post by: Shmulyg on October 03, 2013, 02:00:15 PM
IME I called Amex a couple of times and wasnt able to get AU's added without SSN's.
Never happened to me. Did you say you don't currently have it and will sent it in when you get it?

Can anyone explain the pro(s) and con(s) of them having vs not having the AU's SSN?
Pros of submitting SS#:
1. More likely to affect said AUs credit.
2. No annoying letters to submit the missing info.

Pros of not submitting SS#:
You could make as many fictitious AUs as you wish (FR risk aside).
Title: Re: Authorized users
Post by: Shmulyg on October 03, 2013, 02:47:16 PM
How could you get affected if they don't have your SS#?

There are ways :)

Matching addresses, names, numbers, etc.
Title: Re: Authorized users
Post by: tageed-lee on October 03, 2013, 03:43:58 PM
Never happened to me. Did you say you don't currently have it and will sent it in when you get it?

Pros of not submitting SS#:
You could make as many fictitious AUs as you wish (FR risk aside).

Yes i told them that and also asked if they could add it at a later time. But its fine cuz im not doing the above anyway.....
Title: Re: Authorized users
Post by: Shmulyg on October 03, 2013, 04:05:00 PM
Yes i told them that and also asked if they could add it at a later time.
Has always worked for me (unless there was a very recent policy change).
Title: Re: Authorized users
Post by: Marco Polo on October 03, 2013, 04:07:16 PM
Has always worked for me (unless there was a very recent policy change).
As of yesterday, i was able to add users without SS #.
Title: Re: Authorized users
Post by: smaxber on December 01, 2013, 02:36:32 PM
Amex says limit of 5 AU... Can you go above that?
Title: Re: Authorized users
Post by: CountValentine on December 01, 2013, 03:05:33 PM
Amex says limit of 5 AU... Can you go above that?
Yes
Title: Re: Authorized users
Post by: Hidden on December 01, 2013, 03:10:04 PM
Yes
How?
Title: Re: Authorized users
Post by: CountValentine on December 01, 2013, 03:11:04 PM
How?
Just add more.
Title: Re: Authorized users
Post by: Hidden on December 01, 2013, 03:23:07 PM
Online?
Title: Re: Authorized users
Post by: CountValentine on December 01, 2013, 03:47:30 PM
Online?
Yes.
Title: Re: Authorized users
Post by: LA2NYC on December 03, 2013, 03:11:19 PM
Added 2 AU's for 2 different accounts on wife's account. Total of 4 cards, 2 for 2 different names.  Didin't give SS#.  As these were newer accounts, there wasn't much history on each account.  Amex said they'd get back to me within 5-7 days with cards or "request for more info".  When I've added AU's to my account (With extensive history) in the past, it was instant, here it looks like they weren't added.  Anyone know what's going on and how I can get them to be added quickly to account?

Want to get them in for Amazon twitter sync offer....

TIA!
Title: Re: Authorized users
Post by: @Yehuda on December 10, 2013, 08:56:06 AM
Sorry, admittedly I didn't read thru the whole thread here -- To get the 5000 points for an AU on SP or UMPE, can I just swipe it for $0.25 at an NYC muni meter?
Title: Re: Authorized users
Post by: Marco Polo on December 10, 2013, 09:11:00 AM
Sorry, admittedly I didn't read thru the whole thread here -- To get the 5000 points for an AU on SP or UMPE, can I just swipe it for $0.25 at an NYC muni meter?
Just got to add them.
Title: Re: Authorized users
Post by: @Yehuda on December 10, 2013, 09:20:33 AM
Just got to add them.
Just add them? As in add them to my account? It said I also had to make a qualifying purchase within 3 months.
Title: Re: Authorized users
Post by: Marco Polo on December 10, 2013, 09:22:12 AM
Just add them? As in add them to my account? It said I also had to make a qualifying purchase within 3 months.
Not sure with the SP, but with UA I got points just by adding.
Title: Re: Authorized users
Post by: mawmaw on December 10, 2013, 10:05:55 AM
Not sure with the SP, but with UA I got points just by adding.
+1 same here
Title: Re: Authorized users
Post by: @Yehuda on December 10, 2013, 10:36:05 AM
+1 same here
Not sure with the SP, but with UA I got points just by adding.
Oh, interesting. I guess I'll check my balances after the statement comes. Thanks
Title: Re: Authorized users
Post by: @Yehuda on December 10, 2013, 03:49:21 PM
I called Chase and they said I need to make 1 purchase within 3 months. So I spent $0.50 at the meter. wtvr NBD
Title: Authorized user
Post by: Davidp on December 10, 2013, 05:34:02 PM
Can I apply for a card if I'm an authorized user on someone else's account for that same card?
Title: Re: Authorized users
Post by: Shmulyg on December 10, 2013, 05:46:40 PM
I called Chase and they said I need to make 1 purchase within 3 months. So I spent $0.50 at the meter. wtvr NBD
For the UA card you don't need to spend...
Title: Re: Authorized user
Post by: Shmulyg on December 10, 2013, 06:03:38 PM
Can I apply for a card if I'm an authorized user on someone else's account for that same card?
Yes, but next time search and post in the appropriate thread.
Title: Re: Authorized user
Post by: Super Speed on December 10, 2013, 06:05:40 PM
Can I apply for a card if I'm an authorized user on someone else's account for that same card?
30 posts and most are from starting new topics.
#amusing

Title: Re: Authorized user
Post by: Shmulyg on December 10, 2013, 06:09:23 PM
30 posts and most are from starting new topics.
#amusing
He actually only started 3 topics. Had what you're saying been the case, i would not have responded to him.
Title: Re: Authorized user
Post by: Centro on December 10, 2013, 06:52:51 PM
He actually only started 3 topics.
Which one of those was a deal.
Title: Re: Authorized users
Post by: mow on December 10, 2013, 07:42:25 PM
Let me  know if I'm wrong , but since they are the same card number and 3 digits I don't think it will matter if not spent since they can't tell ( even though the name is different
Title: Re: Authorized user
Post by: Shmulyg on December 10, 2013, 08:30:50 PM
Which one of those was a deal.
Not the point... Had he really started even close to 30 threads, that indeed warrants his being shunned. But 3 out of 30, just doesn't do it.
Title: Re: Authorized user
Post by: Davidp on December 10, 2013, 08:39:18 PM
Sorry guys... I'm new here so I didn't really understand the rules and regulations etc.
Title: Re: Authorized user
Post by: Davidp on December 10, 2013, 08:40:19 PM

Not the point... Had he really started even close to 30 threads, that indeed warrants his being shunned. But 3 out of 30, just doesn't do it.
and thanks for backing me up lol but seriously I apologize for the distress I caused 😜 jk
Title: Re: Authorized users
Post by: Shmulyg on December 10, 2013, 08:50:50 PM
Let me  know if I'm wrong , but since they are the same card number and 3 digits I don't think it will matter if not spent since they can't tell ( even though the name is different
When a card is swiped they can definitely tell. And even when used online, if you put in the AU's name, they will 'count' that. But again, i don't believe they need to be used (for sure not the UA).
Title: Re: Authorized user
Post by: Centro on December 10, 2013, 08:51:46 PM
Not the point... Had he really started even close to 30 threads, that indeed warrants his being shunned. But 3 out of 30, just doesn't do it.
You didn't get me, I meant to say that one of the threads started was rightfully started, had he even started 30 threads and they would be deals then there would be no reason to complain.
Wtvr...
Title: Re: Authorized user
Post by: Shmulyg on December 10, 2013, 08:52:15 PM
and thanks for backing me up lol but seriously I apologize for the distress I caused 😜 jk
In the future, please search for the appropriate thread and post there.
Title: Re: Authorized user
Post by: Davidp on December 10, 2013, 11:00:34 PM

In the future, please search for the appropriate thread and post there.
Got it. Again, I'm sorry.
Title: Re: Authorized users
Post by: wayfe on December 12, 2013, 11:49:37 PM
I'd like to help somebody build their credit (no bad credit, pretty much same range as me, but somehow not being approved for cc's) by adding them as an AU.

Which of these cards would be the best option?

My oldest BofA card

New BofA card with largest credit limit

Amex charge card

Chase Freedom

Discover card

Thanks.

Update + recap: My brother had a pretty OK credit score, and a Capital One secured cc but kept on being declined for new cc's. I added him as an authorized user onto my PRG in June and in August he was approved for his own Chase Freedom, Amex Starwood and Discover card!
Title: Re: Authorized users
Post by: CountValentine on December 13, 2013, 07:28:32 AM
I added him as an authorized user onto my PRG in June and in August he was approved for his own Chase Freedom, Amex Starwood and Discover card!
Very nice.
Title: Re: Authorized users
Post by: wayfe on December 30, 2013, 10:39:45 PM
Added AU with ABSOLUTELY (if there is such a thing...) no credit on all my Amex accounts in November- he just got instant approval for his own Amex card!

I think this is the quickest way to build credit...
Title: Re: Authorized users
Post by: Moshe123 on December 30, 2013, 10:50:14 PM
Added AU with ABSOLUTELY (if there is such a thing...) no credit on all my Amex accounts in November- he just got instant approval for his own Amex card!

I think this is the quickest way to build credit...

With Amex. My wife was approved for a platinum before having any other card or being an au.
Title: Re: Authorized users
Post by: Davidp on January 08, 2014, 12:21:26 AM
Question. I authorized my wife as a user on my Chase Freedom to help her build credit but they didn't ask for her SS number. Does this mean that it won't go on her credit report? If so, is there any way I can rectify this? Thanks in advance for your help!
Title: Re: Authorized users
Post by: BigDanFan on January 08, 2014, 12:35:54 AM
Question. I authorized my wife as a user on my Chase Freedom to help her build credit but they didn't ask for her SS number. Does this mean that it won't go on her credit report? If so, is there any way I can rectify this? Thanks in advance for your help!
if she already has other chase accts, then could it be that they already have her ss#?
Title: Re: Authorized users
Post by: CountValentine on January 08, 2014, 12:36:29 AM
They don't need a SS# to add it to her CR.
Title: Re: Authorized users
Post by: Moshe123 on January 08, 2014, 12:43:30 AM
They don't need a SS# to add it to her CR.

Yup. Pretty obvious.
Title: Re: Authorized users
Post by: Davidp on January 08, 2014, 03:07:46 PM

They don't need a SS# to add it to her CR.
thanks! :-)
Title: Re: Authorized users
Post by: avrumy22 on January 08, 2014, 03:30:31 PM
Does backdating still work?
Title: Re: Authorized users
Post by: ual902 on January 10, 2014, 02:22:41 AM
Probably been asked many times, My friend (NOT my brother or family) who has BAD credit and is trying to re build  his credit asked me if I can add him as an Authorized user so he can apply for Credit cards, if I do add him as an Authorized user the card will be in my possession at all times, the question is will his bad credit effect me?.

What would be the best credit card to add him as an Authorized user, this is what I have:

Chase BA
Chase IHG
Chase Freedom
Chase Ink Plus
Chase United Business
Amex SPG Personal
Amex Buisness Gold rewards
Amex Premier Rewards
Barclays US Air
Barclays Arrivals
BOA Alaska

Thanks-
Title: Re: Authorized users
Post by: CountValentine on January 10, 2014, 02:27:47 AM
Does backdating still work?
Not like it use to. You can plead your case to the Amex credit dept but the results lately are not good.
Title: Re: Authorized users
Post by: Miracle on January 10, 2014, 03:02:29 AM
Probably been asked many times, My friend (NOT my brother or family) who has BAD credit and is trying to re build  his credit asked me if I can add him as an Authorized user so he can apply for Credit cards, if I do add him as an Authorized user the card will be in my possession at all times, the question is will his bad credit effect me?.

What would be the best credit card to add him as an Authorized user, this is what I have:

Chase BA
Chase IHG
Chase Freedom
Chase Ink Plus
Chase United Business
Amex SPG Personal
Amex Buisness Gold rewards
Amex Premier Rewards
Barclays US Air
Barclays Arrivals
BOA Alaska

Thanks-
+1, I'm interested to know the answer
Title: Re: Authorized users
Post by: CountValentine on January 10, 2014, 06:06:37 AM
+1, I'm interested to know the answer
It wll not hurt your credit. Add him to as many old cards with A+++ credit history as possible. There is also a trick mentioned at the seminars that work also. I always wondered where that trick came from.  :)
Title: Re: Authorized users
Post by: Miracle on January 10, 2014, 06:51:24 AM
It wll not hurt your credit. Add him to as many old cards with A+++ credit history as possible. There is also a trick mentioned at the seminars that work also. I always wondered where that trick came from.  :)
IME, I tried getting my wife credit (she had NONE!) and I put her as an AU and it did NOT help at all. Chase even told me it wouldn't help her credit. In the end I had to sign her up for Capital One and only 8 months later she got approved for Amex cards, and 14 months for Chase cards. IME...
Title: Re: Authorized users
Post by: CountValentine on January 10, 2014, 07:00:06 AM
IME, I tried getting my wife credit (she had NONE!) and I put her as an AU and it did NOT help at all. Chase even told me it wouldn't help her credit. In the end I had to sign her up for Capital One and only 8 months later she got approved for Amex cards, and 14 months for Chase cards. IME...
Adding her to one card with no credit will not help. It won't even generate a CR.
Title: Re: Authorized users
Post by: Miracle on January 10, 2014, 07:33:12 AM
Adding her to one card with no credit will not help. It won't even generate a CR.
I put her on ALL the cards I had...
Title: Re: Authorized users
Post by: CountValentine on January 10, 2014, 07:35:35 AM
I put her on ALL the cards I had...
Did you pull her CR to make sure they were added?
Title: Re: Authorized users
Post by: Hidden on January 10, 2014, 07:39:42 AM
There is also a trick mentioned at the seminars that work also. I always wondered where that trick came from.  :)

What is the trick?
Title: Re: Authorized users
Post by: CountValentine on January 10, 2014, 07:41:06 AM
What is the trick?
What happens at the seminars stays at the seminars!  >:(
Title: Re: Authorized users
Post by: Hidden on January 10, 2014, 07:49:59 AM
Oy vay!!
Even not in PM?
Title: Re: Authorized users
Post by: chaimmayer on January 10, 2014, 07:58:20 AM
When I called chase recon this week they gave me a hard time about all the cards I have opened.  This included the my wife' scares that I was just an au on.  Is this new? Normal?  Would I be better off in the long run not adding myself?

When a card is swiped they can definitely tell.
Interesting! My wife's Citicard had a fraud alert because I was the one doing all the spending.  I thought it was strange since we have the same number.  Now I know.
Title: Re: Authorized users
Post by: E R K on January 10, 2014, 08:50:15 AM
IME, I tried getting my wife credit (she had NONE!) and I put her as an AU and it did NOT help at all. Chase even told me it wouldn't help her credit. In the end I had to sign her up for Capital One and only 8 months later she got approved for Amex cards, and 14 months for Chase cards. IME...
you could also have had her build up credit by opening store cards- Gap, Macy's which are easier to get And spend and payoff.
Title: Re: Authorized users
Post by: Miracle on January 10, 2014, 08:53:08 AM
you could also have had her build up credit by opening store cards- Gap, Macy's which are easier to get And spend and payoff.
We live in Israel :)
Did you pull her CR to make sure they were added?
I didn't think to because we got the AU card and used them.
Title: Re: Authorized users
Post by: CountValentine on January 10, 2014, 09:28:15 AM
I didn't think to because we got the AU card and used them.
You want to check to make sure she has a CR.
Title: Re: Authorized users
Post by: Zevwolf on January 12, 2014, 10:16:42 AM
if I add my newborn as an AU is it going to show up on his CR? or you first need to have a CR for him. if not how do I generate him a CR?
Title: Re: Authorized users
Post by: Hidden on January 12, 2014, 01:11:16 PM
I was an AU on amex on a siblings card, and closed my card 2 weeks ago. Today my CreditKarma score dropped 38 points (does not say why). Is it because of closing the card? Does only the FAKO score drop or also the FICO? Also will reopening make a difference?
TIA
Title: Re: Authorized users
Post by: MeirS on January 29, 2014, 09:16:12 PM
Does citi require a social to add an AU?
Title: Re: Authorized users
Post by: AJK on January 30, 2014, 12:10:48 AM
No.
Title: Re: Authorized users
Post by: joew on February 15, 2014, 11:27:02 PM
is there any way to backdate the credit report for the authorized user from the card opening? does it work with amex? if yes whats the reason to ask them?
Title: Re: Authorized users
Post by: wayfe on February 18, 2014, 01:35:16 PM
Without ever having given a social, my Chase cc is appearing on my AU's Credit Karma account...
Title: Re: Authorized users
Post by: CountValentine on February 18, 2014, 04:39:37 PM
Without ever having given a social, my Chase cc is appearing on my AU's Credit Karma account...
It should.
Title: Re: Authorized users
Post by: rots5 on February 25, 2014, 07:43:35 PM
I have been spending the past 3/4 hours on the phone with all the bureaus (except ex) cap1 and so on.

It seems like i am an AU on someone account since 02. I had no idea until now. I got a credit karma email and i decided to look at it this time. It seems like i have a running balance for almost 7 yrs though the minimum payment has been paid, every month except one month in 2012, (the latest the bureaus can see is since 2011)  i first called up Cap1 and they had no idea what i was talking about bec i am not in there system. then i filed for annual credit report but i only go TU. so i called them and explained how i have no idea what this is. they said its an AU, they said they will shut down the account. then i called ex which is a disaster bec everything is automated, and i tried paying the 11.50 for the credit report but it didnt go thru. then i spoke to EQ who said they too will take it off my account.

the question uis does this affect my score. someone using my name as an AU having a running balance but paying off min due.
Title: Re: Authorized users
Post by: churnbabychurn on February 25, 2014, 07:56:52 PM
I have been spending the past 3/4 hours on the phone with all the bureaus (except ex) cap1 and so on.

It seems like i am an AU on someone account since 02. I had no idea until now. I got a credit karma email and i decided to look at it this time. It seems like i have a running balance for almost 7 yrs though the minimum payment has been paid, every month except one month in 2012, (the latest the bureaus can see is since 2011)  i first called up Cap1 and they had no idea what i was talking about bec i am not in there system. then i filed for annual credit report but i only go TU. so i called them and explained how i have no idea what this is. they said its an AU, they said they will shut down the account. then i called ex which is a disaster bec everything is automated, and i tried paying the 11.50 for the credit report but it didnt go thru. then i spoke to EQ who said they too will take it off my account.

the question uis does this affect my score. someone using my name as an AU having a running balance but paying off min due.
Just log onto the bureaus and initiate a dispute. Write "this is not my account, please immediately send me full verification or delete from my report". It should be gone in no time.
Title: Re: Authorized users
Post by: rots5 on February 25, 2014, 08:05:16 PM
Just log onto the bureaus and initiate a dispute. Write "this is not my account, please immediately send me full verification or delete from my report". It should be gone in no time.
i cant log into EX bec my social has been flagged.

I have a fraud issue with one of my TD cc's that i havent used in 2 yrs (one month it was used for 1$) and now i have a 120 day late payment.
Title: Re: Authorized users
Post by: MeirS on February 25, 2014, 08:17:30 PM
If I add someone (real person) with a very generic name like "Avrohom Cohen" as an authorized user to my chase card without DOB or SSN how can they ever find who's CR to put it on?
Title: Re: Authorized users
Post by: CountValentine on February 26, 2014, 02:54:14 AM
If I add someone (real person) with a very generic name like "Avrohom Cohen" as an authorized user to my chase card without DOB or SSN how can they ever find who's CR to put it on?
They will try.
Title: Re: Authorized users
Post by: mow on February 26, 2014, 02:55:05 AM

They will try.
That explains why I have some weird cards on my report
Title: Re: Authorized users
Post by: CountValentine on February 26, 2014, 03:07:41 AM
That explains why I have some weird cards on my report
I would dispute them off.
Title: Re: Authorized users
Post by: rots5 on February 26, 2014, 03:50:33 AM
Yes. My name is attached to someone's account who has been paying off minimum payments but keeping a balance.
Title: Re: Authorized users
Post by: churnbabychurn on February 26, 2014, 07:49:39 AM
Yes. My name is attached to someone's account who has been paying off minimum payments but keeping a balance.
send a snail mail dispute.
Title: Re: Authorized users
Post by: Penguin711 on February 26, 2014, 12:01:05 PM
Ok after reading this thread from start to finish as well as others I'm still a bit fuzzy and confused - I'm stuck on if you add an AU on an Amex, with their SS#, will that AU be affected by the primary cardholder's credit utilization? I'm helping out my cousins and I'm not sure what is the best approach for building credit for their 18 year old son (who got denied by Amex and I started him off with a cap1 & Citi). Both parents have scores in the low 700's, one 34% credit utilization (PRG) and one 67% (plat) both with timely monthly payments. Which card would be the best to add him as an AU on? What I'm not understanding is whether the credit utilization is going to affect his credit score and how it will show up on his credit report in terms of the card's history affecting how long his credit history is going to be. I really appreciate any advice/explanations/suggestions! Thanks!
Title: Re: Authorized users
Post by: Zevwolf on February 26, 2014, 12:06:54 PM
Don't add him to a card with a high balance.
Title: Re: Authorized users
Post by: Marco Polo on February 26, 2014, 12:13:06 PM
Ok after reading this thread from start to finish as well as others I'm still a bit fuzzy and confused - I'm stuck on if you add an AU on an Amex, with their SS#, will that AU be affected by the primary cardholder's credit utilization? I'm helping out my cousins and I'm not sure what is the best approach for building credit for their 18 year old son (who got denied by Amex and I started him off with a cap1 & Citi). Both parents have scores in the low 700's, one 34% credit utilization (PRG) and one 67% (plat) both with timely monthly payments. Which card would be the best to add him as an AU on? What I'm not understanding is whether the credit utilization is going to affect his credit score and how it will show up on his credit report in terms of the card's history affecting how long his credit history is going to be. I really appreciate any advice/explanations/suggestions! Thanks!
Not sure if Amex still backdates, though can't hurt to put him on the card with the lower utilization. It will help build history and if they backdate it, even better.
Title: Authorized users
Post by: Penguin711 on February 26, 2014, 12:20:21 PM
Not sure if Amex still backdates, though can't hurt to put him on the card with the lower utilization. It will help build history and if they backdate it, even better.

Backdating is Amex backdating his history to the card members? Even if my uncle was a Amex member since 1974 and his son is only 18? Or is it that on his credit report the card's history he is added as an AU on will show up thus giving him a long credit history.
Title: Re: Authorized users
Post by: Marco Polo on February 26, 2014, 12:21:39 PM
Backdating is Amex backdating his history to the card members? Even if my uncle was a Amex member since 1974 and his son is only 18? Or is it that on his credit report the card's history he is added as an AU on will show up thus giving him a long credit history.
Like i said, not sure if this works anymore, but people have been "Amex members" since before they were born.
Title: Re: Authorized users
Post by: Penguin711 on February 26, 2014, 12:22:57 PM

Like i said, not sure if this works anymore, but people have been "Amex members" since before they were born.

Understood. Thanks
Title: Re: Authorized users
Post by: Marco Polo on February 26, 2014, 12:29:00 PM
Understood. Thanks
Either way. If the son needs to build credit, add him to one of the accounts.
Title: Re: Authorized users
Post by: Penguin711 on February 26, 2014, 01:34:09 PM

Either way. If the son needs to build credit, add him to one of the accounts.

Doing that now. In terms of the other kids (ages 14 and younger) it doesn't make a difference which card they are added to bec they don't need the credit history immediately rather just trying to build them up for the future? If that's the case which card is cheaper to add on 5 AUs? I know the plat is $175 for three but is the PRG really $100 for each AU?
Title: Re: Authorized users
Post by: Marco Polo on February 26, 2014, 02:07:20 PM
Doing that now. In terms of the other kids (ages 14 and younger) it doesn't make a difference which card they are added to bec they don't need the credit history immediately rather just trying to build them up for the future? If that's the case which card is cheaper to add on 5 AUs? I know the plat is $175 for three but is the PRG really $100 for each AU?
Best bet may be to downgrade one of the cards to a no AF card. Or apply for a card which offers free AU's.
Title: Re: Authorized users
Post by: MoYS on April 26, 2014, 11:15:45 PM
Sorry if I missed this but I cant seem to find it.
If i make an authorized user to my cc would there be a problem of him using it in a different country then I am?
Title: Re: Authorized users
Post by: rng on April 29, 2014, 11:18:13 AM
My wife has good credit and i have messed up credit, specifically with amex chargeoff and every time my wife tries to add me on as an au and cardholder they decline it and say that i have to call up amex I dont know what to do, they say its because of my negative history with them.
is there a way i could get on as an authorized user? ay tips and help is very much appreciated
Title: Re: Authorized users
Post by: Super Speed on April 29, 2014, 11:20:17 AM
My wife has good credit and i have messed up credit, specifically with amex chargeoff and every time my wife tries to add me on as an au and cardholder they decline it and say that i have to call up amex I dont know what to do, they say its because of my negative history with them.
is there a way i could get on as an authorized user? ay tips and help is very much appreciated
Try with another bank?
Title: Re: Authorized users
Post by: rng on April 29, 2014, 11:29:36 AM
i want to specifically be an au on her amex cards she has about 7 of them between pers and biz
Title: Re: Authorized users
Post by: ckmk47 on April 29, 2014, 11:30:36 AM
Sorry if I missed this but I cant seem to find it.
If i make an authorized user to my cc would there be a problem of him using it in a different country then I am?
No problem.  Just be careful to do this with a card with no forex fees.
Title: Re: Authorized users
Post by: rng on April 29, 2014, 11:41:29 AM
Try with another bank?
what do you suggest?
Title: Re: Authorized users
Post by: Super Speed on April 29, 2014, 11:48:09 AM
what do you suggest?
Chase.
Title: Re: Authorized users
Post by: rng on April 29, 2014, 11:52:57 AM
Chase.
I am already how do i get on as an au on her amex cards?
Title: Re: Authorized users
Post by: Super Speed on April 29, 2014, 12:09:15 PM
I am already how do i get on as an au on her amex cards?
You quoted my post that stated try another bank and you asked what I suggest.
Title: Re: Authorized users
Post by: rng on April 29, 2014, 12:23:33 PM
I want to be an au specifically on her amex cards, I am already on her chase and need to help her meet spending thresholds and we will be able to do it if we both have cards
Title: Re: Authorized users
Post by: ckmk47 on April 29, 2014, 12:36:37 PM
Try using your middle name? not your first? Don't give the ss# when getting the card ('I don't have it now).
Title: Re: Authorized users
Post by: davidd75 on April 29, 2014, 12:51:16 PM
Wiki implies that adding authorized user right after getting a new card results in a hard pull on primary member??
Title: Re: Authorized users
Post by: Myccrabbi on April 29, 2014, 12:55:15 PM
Wiki implies that adding authorized user right after getting a new card results in a hard pull on primary member??
read wiki again.
Title: Re: Authorized users
Post by: davidd75 on April 29, 2014, 03:51:48 PM
read wiki again.

I did but not clear.  It reads if its a new card, authorized user does not get a hard pull.  To me that means primary card holder does get a pull? 

It goes on to read that if card is not new then neither primary nor authorized user gets a hard pull; implying that in previous statement (ie a new card) primary card holder does get a hard pull. 
Title: Re: Authorized users
Post by: ckmk47 on April 30, 2014, 09:41:06 AM
Don't know what he was trying to add in the wiki, but adding an AU doesn't result in a hard pull for either the primary or AU.
Although if you add lots of AU's it may result in a F/R.
Title: Re: Authorized users
Post by: @Yehuda on April 30, 2014, 01:07:55 PM
Thanks for the PM, haven't read this thread since I updated the wiki. When I said that when you are opening a new card, the AU doesn't get a hard pull, I meant that the primary obviously does get one because it's their new cc app! I will update the wiki to make it a bit more clear. You should also feel free to clarify wikis that you don't think are clear. I feel like most people are scared to change wikis, but if it's not clear or accurate, it doesn't help anyone.

ETA: Just updated it. Hope it's easier to understand.
Title: Re: Authorized users
Post by: ckmk47 on April 30, 2014, 01:38:16 PM
Absolutely clear!
Title: Re: Authorized users
Post by: ranhan429 on April 30, 2014, 01:53:41 PM
I added my little (just turned 18) brother to my chase SP. He has zero credit. Will he be building credit by using my cc? Chase didn't ask for his SSN. How can he be building credit without the ssn?! I spoke with a "Credit Bureau Specialist" that said they would somehow link him to me. However, not sure she knew what the hell she was talkin' about.
Title: Re: Authorized users
Post by: Super Speed on April 30, 2014, 02:31:52 PM

I added my little (just turned 18) brother to my chase SP. He has zero credit. Will he be building credit by using my cc? Chase didn't ask for his SSN. How can he be building credit without the ssn?! I spoke with a "Credit Bureau Specialist" that said they would somehow link him to me. However, not sure she knew what the hell she was talkin' about.
They have other ways of figuring out who he is besides from his social.
Title: Re: Authorized users
Post by: zh cohen on April 30, 2014, 02:47:42 PM
I added my little (just turned 18) brother to my chase SP. He has zero credit. Will he be building credit by using my cc? Chase didn't ask for his SSN. How can he be building credit without the ssn?! I spoke with a "Credit Bureau Specialist" that said they would somehow link him to me. However, not sure she knew what the hell she was talkin' about.

Even without giving his social, they will still find him and link your activity to him.
Title: Re: Authorized users
Post by: davidd75 on April 30, 2014, 03:04:42 PM
Thanks for the PM, haven't read this thread since I updated the wiki. When I said that when you are opening a new card, the AU doesn't get a hard pull, I meant that the primary obviously does get one because it's their new cc app! I will update the wiki to make it a bit more clear. You should also feel free to clarify wikis that you don't think are clear. I feel like most people are scared to change wikis, but if it's not clear or accurate, it doesn't help anyone.

ETA: Just updated it. Hope it's easier to understand.

Thanks! perfect!
Title: Re: Authorized users
Post by: CountValentine on April 30, 2014, 03:45:23 PM
They have other ways of figuring out who he is besides from his social.
Even without giving his social, they will still find him and link your activity to him.
Sometimes they link to the wrong person. This happens a lot with JR getting linked to SR.
Title: Re: Authorized users
Post by: zh cohen on April 30, 2014, 09:37:00 PM
Sometimes they link to the wrong person. This happens a lot with JR getting linked to SR.

That's interesting. I guess if there are two people with the same name associated with the same address, they have no way of knowing which one the card is for without the social.
Title: Re: Authorized users
Post by: @Yehuda on April 30, 2014, 10:06:41 PM
Got PRG for my wife with an AU for myself. Cards have different numbers is that normal? It also says my wife is a member since '13 (true) and that I'm a member since '14 (untrue).
Title: Re: Authorized users
Post by: A European on April 30, 2014, 10:09:18 PM
Got PRG for my wife with an AU for myself. Cards have different numbers is that normal?
Yes,
AMEX AU is always different numbers.
Title: Re: Authorized users
Post by: @Yehuda on April 30, 2014, 10:14:28 PM
Yes,
AMEX AU is always different numbers.
Thanks
Title: Re: Authorized users
Post by: Super Speed on April 30, 2014, 11:08:00 PM
Got PRG for my wife with an AU for myself. Cards have different numbers is that normal? It also says my wife is a member since '13 (true) and that I'm a member since '14 (untrue).
Yes it's normal and always on AUs I find they write the date of when you order the AUs card.
Title: Re: Authorized users
Post by: @Yehuda on April 30, 2014, 11:21:17 PM
Yes it's normal and always on AUs I find they write the date of when you order the AUs card.
Thanks. When I called they said the AU in the system was the correct year but the card was for some reason off. Idk. Nbd.
Title: Re: Authorized users
Post by: zale on July 10, 2014, 10:06:34 AM
Does anyone know if Amex actually checks the SS, DOB and name of the AU?

If I want to add 20 AU to a card and make up random names like John Doe, Jane Doe etc.. and then put in random DOB and SS numbers, will Amex verify this? Is this a FR risk?

It obviously SOUNDS risky, but IF Amex doesn't verify the details anyway, I don't see why this should be a problem...
Title: Re: Authorized users
Post by: Super Speed on July 10, 2014, 10:29:02 AM
Does anyone know if Amex actually checks the SS, DOB and name of the AU?

If I want to add 20 AU to a card and make up random names like John Doe, Jane Doe etc.. and then put in random DOB and SS numbers, will Amex verify this? Is this a FR risk?

It obviously SOUNDS risky, but IF Amex doesn't verify the details anyway, I don't see why this should be a problem...
Why not AUs without all this info, by calling up.

Title: Re: Authorized users
Post by: zale on July 10, 2014, 10:33:42 AM
Why not AUs without all this info, by calling up.

They will add without requesting SS or DOB?
Title: Re: Authorized users
Post by: Novo on July 10, 2014, 10:35:39 AM
They will add without requesting SS or DOB?
When they ask for it just say you dont have it handy and they'll add them w/o the info
Ps
Do you need 20 AU for AP?
Title: Re: Authorized users
Post by: ckmk47 on July 10, 2014, 10:37:42 AM
Does anyone know if Amex actually checks the SS, DOB and name of the AU?

If I want to add 20 AU to a card and make up random names like John Doe, Jane Doe etc.. and then put in random DOB and SS numbers, will Amex verify this? Is this a FR risk?

It obviously SOUNDS risky, but IF Amex doesn't verify the details anyway, I don't see why this should be a problem...
too many AU is a F/R risk.
Title: Re: Authorized users
Post by: zale on July 10, 2014, 10:40:01 AM
When they ask for it just say you dont have it handy and they'll add them w/o the info
Ps
Do you need 20 AU for AP?

Nope, need them for the new Amex special offers like Costco, Amazon etc...
Title: Re: Authorized users
Post by: Excalibur on July 10, 2014, 01:22:33 PM
Does anyone know if Amex actually checks the SS, DOB and name of the AU?

If I want to add 20 AU to a card and make up random names like John Doe, Jane Doe etc.. and then put in random DOB and SS numbers, will Amex verify this? Is this a FR risk?

It obviously SOUNDS risky, but IF Amex doesn't verify the details anyway, I don't see why this should be a problem...

No matter what your income is20 au  will result in all your cards being shut down
Title: Re: Authorized users
Post by: Fan of Dan on July 10, 2014, 02:25:14 PM
Having trouble setting up online accounts for my AU's. Would prefer not to call in and the system says it is sending  a voicemail to verify the identity of the AU with a one time code, however the v.m. isn't going to the phone on file. Any ideas?
Title: Re: Authorized users
Post by: chamdena on July 10, 2014, 02:35:10 PM
If I add an AU, what of my credit will affect his?  Just the card which I authorized him on?  Or my whole credit history/score?
Title: Re: Authorized users
Post by: Joe4007 on July 10, 2014, 03:26:16 PM
If I add an AU, what of my credit will affect his?  Just the card which I authorized him on?  Or my whole credit history/score?
Just that card.
Title: Re: Authorized users
Post by: joey123 on July 31, 2014, 08:50:19 PM
Will they know what I am saying when I call up asking to backdate credit history? I call regular Amex CR, or is there a special contact number?

TIA
Title: Re: Authorized users
Post by: JamesIV on August 01, 2014, 05:52:37 PM
Will adding 4 AU to 4 different amex cards trigger an F/R?
Title: Re: Authorized users
Post by: A3 on August 01, 2014, 05:54:09 PM
Will adding 4 AU to 4 different amex cards trigger an F/R?
Just dont do it all at once, then no.
Title: Re: Authorized users
Post by: JamesIV on August 01, 2014, 06:20:26 PM
How much do you think I need to space it out?
Title: Re: Authorized users
Post by: Chdayshc on August 01, 2014, 06:26:27 PM
I have 30+au on each of my Amex cards with no fr. I only added 3/4 per a month
Title: Re: Authorized users
Post by: JamesIV on August 01, 2014, 06:43:03 PM
So that took 10 months..

How do you have 30 ssn?
Title: Re: Authorized users
Post by: Super Speed on August 01, 2014, 06:43:48 PM

So that took 10 months..

How do you have 30 ssn?
If you call you can get away without it.
Title: Re: Authorized users
Post by: lunatic on August 03, 2014, 12:47:46 AM
I have 30+au on each of my Amex cards with no fr. I only added 3/4 per a month
Do you use each card for each offer?
Title: Re: Authorized users
Post by: Chdayshc on August 03, 2014, 12:48:20 AM
Added by phone no social nedded
Title: Re: Authorized users
Post by: Chdayshc on August 03, 2014, 12:48:34 AM
Sorry meant needed
Title: Re: Authorized users
Post by: Chdayshc on August 03, 2014, 12:49:16 AM
Yes. I got $600+ at amazon and over $1,000 at costco
Title: Re: Authorized users
Post by: Joe4007 on August 03, 2014, 12:50:00 AM
You can modify your post by clicking on "modify" in the upper right of your post.
Title: Authorized users
Post by: Chdayshc on August 03, 2014, 12:50:18 AM
Not on tappa talk ;(
Title: Re: Authorized users
Post by: Joe4007 on August 03, 2014, 12:51:34 AM
Not on tappa talk ;(
You can edit on Tapatalk as well. Just select the post and click on the pencil on the top right.
Title: Re: Authorized users
Post by: Chdayshc on August 03, 2014, 12:52:07 AM
Hey, your right! ;)
Title: Re: Authorized users
Post by: lunatic on August 03, 2014, 02:14:57 AM
Yes. I got $600+ at amazon and over $1,000 at costco
I would like to find out at what point amex gets upset. I assume that most of your cards are just used for the offers
Title: Authorized users
Post by: Chdayshc on August 03, 2014, 11:32:47 AM
I would like to find out at what point amex gets upset. I assume that most of your cards are just used for the offers
Yup. But I've never had an issue. I have a+++ credit with a score of 825. And am a member for 15 years
Title: Re: Authorized users
Post by: zlt123 on August 03, 2014, 12:32:19 PM
can you add an AU online on a exiting ink without providing the SC #?
Title: Re: Authorized users
Post by: joey123 on August 03, 2014, 01:07:26 PM
can you add an AU online on a exiting ink without providing the SC #?

If you add an AU online, you must put in a social; however, if you call up you do not. SO, PUTPAC

Hatzlacha
Title: Re: Authorized users
Post by: sammy n on August 03, 2014, 01:49:09 PM

If you add an AU online, you must put in a social; however, if you call up you do not. SO, PUTPAC

Hatzlacha
I just added a AU on my ink plus card online and didn't need the social.
Title: Re: Authorized users
Post by: joey123 on August 03, 2014, 01:51:25 PM

I just added a AU on my ink plus card online and didn't need the social.
Okay, thanks for sharing. You learn something new everyday. I am positive, though, that Amex requires a social
Title: Re: Authorized users
Post by: MeirS on August 03, 2014, 02:15:30 PM
If you add an AU online, you must put in a social; however, if you call up you do not. SO, PUTPAC

Hatzlacha
Amex requires social online and gives AU a new CC number. Chase doesn't require social and gives AU same CC number as account owner.
Title: Re: Authorized users
Post by: joey123 on August 03, 2014, 02:16:11 PM
Amex requires social online and gives AU a new CC number. Chase doesn't require social and gives AU same CC number as account owner.

Thanks for reiterating what sammy n wrote. Have a great day!
Title: Re: Authorized users
Post by: MeirS on August 03, 2014, 02:17:43 PM
Thanks for reiterating what sammy n wrote. Have a great day!
I just summed it up in what I thought was simple terms.
Title: Re: Authorized users
Post by: joey123 on August 03, 2014, 02:26:41 PM
I just summed it up in what I thought was simple terms.


Not a problem. Just pointing it out. THnaks. I wasn't being facetious!You are a good DDF'er btw.
Title: Re: Authorized users
Post by: zlt123 on August 03, 2014, 04:59:03 PM
Chase does give a diffrant CC# for ink's AU. And Chase does require SC# for ink's AU but you do the same thing as amex i.e. say you dont have it now you will provide it latter. So my quatsion was if you could do this online?

Title: Re: Authorized users
Post by: Super Speed on August 03, 2014, 10:55:02 PM

I just added a AU on my ink plus card online and didn't need the social.
Can I ask who that AU may be? ;)
Title: Re: Authorized users
Post by: TimT on August 03, 2014, 11:04:12 PM
Chase does give a diffrant CC# for ink's AU. And Chase does require SC# for ink's AU but you do the same thing as amex i.e. say you dont have it now you will provide it latter. So my quatsion was if you could do this online?
Online it's one of the parts that must be filled out. There's no later.
Title: Re: Authorized users
Post by: sammy n on August 04, 2014, 11:54:17 AM

Can I ask who that AU may be? ;)
Title: Re: Authorized users
Post by: BigDanFan on August 04, 2014, 04:14:59 PM
Not a problem. Just pointing it out. THnaks. I wasn't being facetious! You are a good DDF'er btw.
what makes 'a good DDFer'?
Title: Re: Authorized users
Post by: joey123 on August 04, 2014, 04:57:39 PM
what makes 'a good DDFer'?

Well I can make a whole list. Firstly, no one likes  a jerk who just isn't polite. 2) no one likes a nOOb (even though, we all started as one, but we didn't all act as one) I guess see the DDF 10 deadly sins as a lot of them will be similar.

A good DDF'er is someone who uses hash tags once in a while  ;)(JK). Seriously, however, it means someone who gives of himself to others. THis personifies Something fishy as he is the camera and fish expert. he can choose to sit back, and be the only expert on the forum, but he chooses to teach others. The second good DDF'ers is Chuckerstace who just helps everyone out--literally. I wonder if he has a job--where the heck does he find the time. My 3rd good DDF'er (there are many others) is DH DataRecovery again, who is an expert himself on computer and laptops, and can remain an expert himself, but opts to help others and educate the populace.

Those are my DDF good men of the week. I like this idea. Every month, I will pick three good DDF'ers, and give the winners a prize.
Title: Re: Authorized users
Post by: zlt123 on August 04, 2014, 05:00:38 PM
there is a very cute thread on what means to be a real DDFer its hillarios. But dont read it on T''B its to funny
Title: Re: Authorized users
Post by: whacked1 on August 04, 2014, 05:04:17 PM
....and give the winners a prize.
aren't you a cutie!
ETA: You have good intentions, keep up the good work!
Title: Re: Authorized users
Post by: D93 on August 04, 2014, 05:10:14 PM
there is a very cute thread on what means to be a real DDFer its hillarios. But dont read it on T''B its to funny
http://forums.dansdeals.com/index.php?topic=25918.0
Title: Re: Authorized users
Post by: D93 on August 04, 2014, 05:11:24 PM
if i make someone an AU on my AMEX SPG, will he be able to get the bonus himself one day when i take him off my account and he signs up for his own?
Title: Re: Authorized users
Post by: joey123 on August 04, 2014, 05:18:45 PM
if i make someone an AU on my AMEX SPG, will he be able to get the bonus himself one day when i take him off my account and he signs up for his own?

Yes. He is an AU, and it's not really his account. If it's a consumer card, it may help his credit, but he will still be eligible to get the card.
Title: Re: Authorized users
Post by: D93 on August 04, 2014, 05:32:08 PM
Does an AU on the citi executive card have Admirals Club Access?
Title: Re: Authorized users
Post by: Menachem613 on August 04, 2014, 05:53:07 PM

Does an AU on the citi executive card have Admirals Club Access?

No.
Title: Re: Authorized users
Post by: joey123 on August 05, 2014, 05:48:16 PM
Quick Question: I was just added onto my Grandfather Amex card as an AU, which he has had for a long time.

After activating the card, I called up Amex, and asked for them to backdate the history, and the lady responded that they don't do such a thing. she continued, that at the end of the month the account will be reported to the CB, and it will only backdate it to when I opened the account.

She seems wrong. If she is, what should I go about doing to have the backdating? Does it happen automatically?

TIA
Title: Re: Authorized users
Post by: ckmk47 on August 05, 2014, 10:31:07 PM
Quick Question: I was just added onto my Grandfather Amex card as an AU, which he has had for a long time.

After activating the card, I called up Amex, and asked for them to backdate the history, and the lady responded that they don't do such a thing. she continued, that at the end of the month the account will be reported to the CB, and it will only backdate it to when I opened the account.

She seems wrong. If she is, what should I go about doing to have the backdating? Does it happen automatically?

TIA
After the 'end of the month' pull your credit report.  (don't need the score for this)  And see when they say you started this card.  Then you'll know.  And you'll tell us.  then you'll ask for the next step. 
It the end of the month was July, it's passed.  If it's Aug, I agree, it's a long way away.
Title: Re: Authorized users
Post by: joey123 on August 06, 2014, 02:26:06 AM

After the 'end of the month' pull your credit report.  (don't need the score for this)  And see when they say you started this card.  Then you'll know.  And you'll tell us.  then you'll ask for the next step. 
It the end of the month was July, it's passed.  If it's Aug, I agree, it's a long way away.
Okay. Thanks. I will keep y'all updated
Title: Re: Authorized users
Post by: WAM on August 06, 2014, 08:36:31 AM
Okay. Thanks. I will keep y'all updated
Keep chatting with them online. If they say no, CHUCA.
Don't use the word backdate, just say ask them to correct the MS year
Alternatively, add s/o with an old date to YOUR account as an AU, then ask.
No matter what your income is20 au  will result in all your cards being shut down
I've had 80+ spread over my accounts.
Title: Re: Authorized users
Post by: joey123 on August 06, 2014, 08:41:49 AM
Keep chatting with them online. If they say no, CHUCA.
Don't use the word backdate, just say ask them to correct the MS year
Alternatively, add s/o with an old date to YOUR account as an AU, then ask.I've had 80+ spread over my accounts.

Okay. Thanks. So, I will first check my Fico at the end of the month, and then CHUCA (nice one, btw). We can add it to HUTA, HUCA, CHUTA-- we have a whole arsneal. My question is, does chuta'ing and huta'ing make you high ;)

THis post would make a nOOb dizzy. Sorry :)
Title: Re: Authorized users
Post by: lunatic on August 06, 2014, 09:29:48 AM
No matter what your income is20 au  will result in all your cards being shut down
Did you mean 20 per account? Per primary account holder (spread over multiple accounts)?
Title: Re: Authorized users
Post by: WAM on August 06, 2014, 09:45:40 AM
Did you mean 20 per account? Per primary account holder (spread over multiple accounts)?
He means per account.
Title: Re: Authorized users
Post by: shmu1 on August 18, 2014, 06:18:34 PM
if i add my wife as an au to my new chase sapphire preferred for the 5k bonus would that impact (negatively) her chance of getting one soon, or can i cancel her card right before she signs up for her own? 
Title: Re: Authorized users
Post by: sammy n on August 18, 2014, 06:19:21 PM

if i add my wife as an au to my new chase sapphire preferred for the 5k bonus would that impact (negatively) her chance of getting one soon, or can i cancel her card right before she signs up for her own?
Add her on without her social and it won't affect anything.
Title: Re: Authorized users
Post by: shmu1 on August 18, 2014, 06:20:54 PM
how about if she currently has her own? 
Title: Re: Authorized users
Post by: sammy n on August 18, 2014, 06:22:00 PM

how about if she currently has her own?
Then what's your question?
Title: Re: Authorized users
Post by: shmu1 on August 18, 2014, 06:25:27 PM
can she be an au on my cc if she is currently has a chase sapphire p. card herself?
Title: Re: Authorized users
Post by: D93 on August 18, 2014, 06:26:03 PM
how about if she currently has her own?
just add a fake name. Joe shmoe. They Don't ask for any info and you'll get the 5k bonus
Title: Re: Authorized users
Post by: sammy n on August 18, 2014, 06:33:30 PM

can she be an au on my cc if she is currently has a chase sapphire p. card herself?
Yes.
Title: Re: Authorized users
Post by: Charliem on August 19, 2014, 05:54:04 PM
Since adding a au is a hard pull on my credit can I do a 3bm to add a few authorized users?
Title: Re: Authorized users
Post by: sammy n on August 19, 2014, 05:55:07 PM

Since adding a au is a hard pull on my credit can I do a 3bm to add a few authorized users?
What makes you think adding AU is a hard pull?!
Title: Re: Authorized users
Post by: D93 on August 19, 2014, 06:02:26 PM
Since adding a au is a hard pull on my credit can I do a 3bm to add a few authorized users?
bs. Adding a AU isn't even a soft pull. You sound like the guy on DDMS comments that wrote once "checking your Amex offers too often will result in a FR!
Title: Re: Authorized users
Post by: sammy n on August 19, 2014, 06:04:34 PM

bs. Adding a AU isn't even a soft pull. You sound like the guy on DDMS comments that wrote once "checking your Amex offers too often will result in a FR!
LOL!!!!
Title: Re: Authorized users
Post by: Emkay on August 19, 2014, 06:15:02 PM
Does chase AU help for credit? Is there a way to put a social on it?
Title: Re: Authorized users
Post by: sammy n on August 19, 2014, 06:16:33 PM

Does chase AU help for credit? Is there a way to put a social on it?
If you add the AU online you have the option of putting in the social and I believe it helps somewhat.
Title: Re: Authorized users
Post by: D93 on August 19, 2014, 06:27:04 PM
If you add the AU online you have the option of putting in the social and I believe it helps somewhat.
you said that perfectly, only somewhat. Chase won't approve someone for their own card if the only credit history they have is a chase AU. but if you're an AU on an Amex, it's a whole different league!
Title: Re: Authorized users
Post by: sammy n on August 19, 2014, 06:39:18 PM

you said that perfectly, only somewhat. Chase won't approve someone for their own card if the only credit history they have is a chase AU. but if you're an AU on an Amex, it's a whole different league!
Thanx!
Title: Re: Authorized users
Post by: Charliem on August 19, 2014, 07:03:25 PM

What makes you think adding AU is a hard pull?!
Title: Re: Authorized users
Post by: Charliem on August 19, 2014, 07:04:39 PM
I thought I read that if you put your social in ,it's a hard pull on the primary user. Is that also bs?
Title: Re: Authorized users
Post by: freddy on August 19, 2014, 07:06:25 PM
I thought I read that if you put your social in ,it's a hard pull on the primary user. Is that also bs?
This wiki shouln't be to hard to read. Read it.:P
Title: SSN for AUs on Amex
Post by: YaakovR on August 26, 2014, 04:30:50 PM
Over the last few years I opened quite a few Additional User cards with American Express. Although they asked me, I was never required to provide any Social Security numbers. Recently, I opened a business card. When I tried activating the AUs, they demanded the SSN.
Does anyone know if this is a policy only for business cards? Perhaps, is there a way to go around it?

Thank you!
Title: Re: SSN for AUs on Amex
Post by: SearchGuy on August 26, 2014, 04:37:39 PM
Repost
Title: Re: SSN for AUs on Amex
Post by: YaakovR on August 26, 2014, 04:44:22 PM
Repost
???
Title: Re: SSN for AUs on Amex
Post by: Novo on August 26, 2014, 04:47:52 PM
Should be in this (http://forums.dansdeals.com/index.php?topic=1716.msg13766#msg13766) thread.
Title: Re: Authorized users
Post by: YaakovR on August 26, 2014, 04:56:39 PM
Over the last few years I opened quite a few Additional User cards with American Express. Although they asked me, I was never required to provide any Social Security numbers. Recently, I opened a business card. When I tried activating the AUs, they demanded the SSN.
Does anyone know if this is a policy only for business cards? Perhaps, is there a way to go around it?

Thank you!
Title: Re: Authorized users
Post by: Jkhein on September 18, 2014, 08:35:20 PM
For someone with no credit at all, is there a benefit of adding him as an AU to a long time amex account, to help them start? FWIU, they no longer backdate, but is there any reason still to add?
Title: Re: Authorized users
Post by: David R on September 19, 2014, 12:42:06 AM
Over the last few years I opened quite a few Additional User cards with American Express. Although they asked me, I was never required to provide any Social Security numbers. Recently, I opened a business card. When I tried activating the AUs, they demanded the SSN.
Does anyone know if this is a policy only for business cards? Perhaps, is there a way to go around it?

Thank you!
I also got that prompt when trying to activate the employee card for a business account. I did not try to see if I could get around that by calling.
Title: Re: Authorized users
Post by: Joe4007 on September 19, 2014, 11:42:56 AM
For someone with no credit at all, is there a benefit of adding him as an AU to a long time amex account, to help them start? FWIU, they no longer backdate, but is there any reason still to add?
There's no reason to add to an old Amex account over a new one.
Title: Re: Authorized users
Post by: avrumy22 on September 19, 2014, 11:47:31 AM
adding my 1st AU. Do I get a signup bonus for it?

#noobquestion
Title: Re: Authorized users
Post by: Marco Polo on September 19, 2014, 11:48:43 AM
adding my 1st AU. Do I get a signup bonus for it?

#noobquestion
Depends on the card. Sapphire and UA i believe give a bonus, but that may only be when signing up originally.
Title: Re: Authorized users
Post by: lubaby on September 19, 2014, 12:09:50 PM
Depends on the card. Sapphire and UA i believe give a bonus, but that's only in the first 3 months.
FTFY
Title: Re: Authorized users
Post by: etech0 on September 19, 2014, 12:17:34 PM
FTFY
How about freedom?
Title: Re: Authorized users
Post by: Marco Polo on September 19, 2014, 12:18:00 PM
How about freedom?
Not aware of any bonus attached to that for an AU.
Title: Re: Authorized users
Post by: avrumy22 on September 19, 2014, 12:31:42 PM
FTFY

1st 3 months of having the card?

so i guess it doesnt pay to add someone who never had a CC before to a starwood card bec they can never get the bonus then. Correct?

what would be my best bet. I have SP, Freedom, Ink, UA, Starwood.
Title: Re: Authorized users
Post by: Marco Polo on September 19, 2014, 12:32:48 PM
1st 3 months of having the card?

so i guess it doesnt pay to add someone who never had a CC before to a starwood card bec they can never get the bonus then. Correct?

what would be my best bet. I have SP, Freedom, Ink, UA, Starwood.
I do not believe that is true.
Title: Re: Authorized users
Post by: lubaby on September 19, 2014, 12:39:10 PM
How about freedom?
2,500 points.
https://creditcards.chase.com/freedom/learnmore

Not aware of any bonus attached to that for an AU.
Used to be nothing, that changed (http://millionmilesecrets.com/2014/04/02/2500-extra-ultimate-rewards-points-for-authorized-users-on-chase-freedom-and-sapphire-cards/) in April.
Title: Re: Authorized users
Post by: lubaby on September 19, 2014, 12:41:12 PM
1st 3 months of having the card?

what would be my best bet. I have SP, Freedom, Ink, UA, Starwood.
Yes.

If all the cards were opened in the past 3 months, you can get 5k SP, 5K UA and 2.5K Freedom.
Title: Re: Authorized users
Post by: TimT on September 19, 2014, 12:41:59 PM
2,500 points.
https://creditcards.chase.com/freedom/learnmore
Is it points or a $25 credit ?
Title: Re: Authorized users
Post by: lubaby on September 19, 2014, 12:44:54 PM
Is it points or a $25 credit ?
Points. Everything with UR is points, Chase usually uses a $ figure since they value UR at 1cpp.
Title: Re: Authorized users
Post by: Marco Polo on September 19, 2014, 12:45:23 PM
Is it points or a $25 credit ?
If you have a Sapphire or Ink, it can be transferred over.
Title: Re: Authorized users
Post by: etech0 on September 19, 2014, 01:00:01 PM
Maybe should cancel a freedom and get a new one with bonus. Hmmm. Doable?
Title: Re: Authorized users
Post by: avrumy22 on September 19, 2014, 01:29:44 PM
Maybe should cancel a freedom and get a new one with bonus. Hmmm. Doable?

how long after I cancel is safe?
Title: Re: Authorized users
Post by: avrumy on September 24, 2014, 10:57:03 AM
If someone has bad credit and I add them on as a authorized user which I have good credit 1) will his bad credit ruin my good credit? 2)will his credit be repaired in any way this way? 3) if yes which cc is the one to add him on to?

Thanks
Title: Re: Authorized users
Post by: D93 on September 24, 2014, 11:07:36 AM
If someone has bad credit and I add them on as a authorized user which I have good credit 1) will his bad credit ruin my good credit? 2)will his credit be repaired in any way this way? 3) if yes which cc is the one to add him on to?

Thanks
1) no
2) yes
3) I did it with my Amex spg and the person I added went from a 650 to a 750 in 8 months.
Title: Re: Authorized users
Post by: Joe4007 on September 24, 2014, 11:08:20 AM


If someone has bad credit and I add them on as a authorized user which I have good credit 1) will his bad credit ruin my good credit? 2)will his credit be repaired in any way this way? 3) if yes which cc is the one to add him on to?

Thanks
1) No.
2) It can only help.
3) An old Citi or Chase card that has a low utilization ratio.
Title: Re: Authorized users
Post by: avrumy on September 24, 2014, 11:29:29 AM
Thanks all for your answers. greatly appreciated.
Title: Re: Authorized users
Post by: Excalibur on September 24, 2014, 12:51:59 PM
You will get fr for 30 people and they will not be lenient because you have income on the books no matter what your income is
Title: Re: Authorized users
Post by: Hershelsdeals on September 24, 2014, 01:36:28 PM
You will get fr for 30 people and they will not be lenient because you have income on the books no matter what your income is
30 people you mean authorized users?
Title: Re: Authorized users
Post by: Chapshnell on September 24, 2014, 01:53:48 PM
1) No.
2) It can only help.
3) An old Citi or Chase card that has a low utilization ratio.

I have tried adding someone with bad credit & amex didnt let him on... just saying.. I did realize you mention Citi or Chase
Title: Re: Authorized users
Post by: Joe4007 on September 24, 2014, 01:56:40 PM


I have tried adding someone with bad credit & amex didnt let him on... just saying..
That's not what he asked.
Title: Re: Authorized users
Post by: yoshi on September 30, 2014, 03:39:22 PM
Is there any way to get authorized users on amex cards without giving ss?
Title: Re: Authorized users
Post by: Marco Polo on September 30, 2014, 03:41:00 PM
Is there any way to get authorized users on amex cards without giving ss?
Say you will call back later with it.
Title: Re: Authorized users
Post by: Dr Moose on September 30, 2014, 03:41:05 PM
Is there any way to get authorized users on amex cards without giving ss?
over the phone
Title: Re: Authorized users
Post by: yoshi on September 30, 2014, 03:41:54 PM
Say you will call back later with it.
And they won't ask for it in the future?
over the phone
Do they ask for it?
Title: Re: Authorized users
Post by: Dr Moose on September 30, 2014, 03:46:58 PM


Do they ask for it?
yes, but like he said:
Say you will call back later with it.
Title: Re: Authorized users
Post by: yoshi on September 30, 2014, 03:48:05 PM


[quote link=topic=1716.msg928876#msg928876 date=1412106060]
Say you will call back later with it.
[/quote]

And they won't ask later or shut down the card?
Title: Re: Authorized users
Post by: TimT on September 30, 2014, 03:50:27 PM
Say you will call back later with it.
Is it safe to assume that they don't keep records that "person A has gotten numerous AU's without giving ssn & said will call back later".
Title: Re: Authorized users
Post by: Marco Polo on September 30, 2014, 03:53:22 PM

And they won't ask later or shut down the card?
They will follow up, but you can push them off up to a point.
Title: Re: Authorized users
Post by: yoshi on September 30, 2014, 03:59:41 PM
They will follow up, but you can push them off up to a point.
I assume constantly recycling that system will get them annoyed. Cmiiw
Title: Re: Authorized users
Post by: yoshi on September 30, 2014, 04:00:42 PM
Also can you open authorized users under your name?
Title: Re: Authorized users
Post by: D93 on September 30, 2014, 04:03:49 PM
They require you to give birthday when you add an AU.  Are they verifying anything through that?
Title: Re: Authorized users
Post by: yoshi on September 30, 2014, 04:06:31 PM
They require you to give birthday when you add an AU.  Are they verifying anything through that?
They probably want to send you cake.
Title: Re: Authorized users
Post by: D93 on September 30, 2014, 04:11:50 PM
They probably want to send you cake.
or 10,000 points on your (anniversary) birthday  ;D http://forums.dansdeals.com/index.php?topic=33424.msg610791#msg610791
Title: Re: Authorized users
Post by: TimT on September 30, 2014, 04:46:12 PM
Anyone have any experience with Amex following up later on to get ssn on AU's, & if yes, were you able to just close that au or could they shut the whole account ?
Title: Re: Authorized users
Post by: A3 on September 30, 2014, 04:52:09 PM
Anyone have any experience with Amex following up later on to get ssn on AU's, & if yes, were you able to just close that au or could they shut the whole account ?
They follow up, they send letters and emails and keep sending them. I have yet to respond to one letter or email, haven't had any issues
Title: Re: Authorized users
Post by: etech0 on September 30, 2014, 04:54:03 PM
I'm no expert, but I feel like doing this excessively is asking for a FR.
Title: Re: Authorized users
Post by: TimT on September 30, 2014, 04:55:48 PM
I'm no expert, but I feel like doing this excessively is asking for a FR.
Would 5 per account be considered excessive ?
Title: Re: Authorized users
Post by: A3 on September 30, 2014, 07:15:18 PM
Would 5 per account be considered excessive ?


No, just don't do it all at once.
Title: Re: Authorized users
Post by: TimT on September 30, 2014, 07:20:59 PM

No, just don't do it all at once.
From now till Nov 29, SBS.
Title: Re: Authorized users
Post by: mawmaw on September 30, 2014, 07:34:13 PM

No, just don't do it all at once.
-1
Title: Re: Authorized users
Post by: TimT on September 30, 2014, 07:37:24 PM
-1
-1 on which part, 5 is excessive or it's fine to do it all at once ?
Title: Re: Authorized users
Post by: ckmk47 on September 30, 2014, 07:45:16 PM
I think you can add 5 at once to 1 card.  Like you're ready to have multiple AUers use this card now.
But doing that with multiple cards would be a little strange.


Title: Re: Authorized users
Post by: TimT on September 30, 2014, 08:01:25 PM
I think you can add 5 at once to 1 card.
Even without giving ssn ?
Title: Re: Authorized users
Post by: ckmk47 on September 30, 2014, 08:07:15 PM
Even without giving ssn ?
On the phone.  You don't have their numbers here now.
Title: Re: Authorized users
Post by: WAM on October 04, 2014, 11:47:00 PM
They follow up, they send letters and emails and keep sending them. I have yet to respond to one letter or email, haven't had any issues

After getting numerous requests for SSN
s of my 10+ AU's on multiple cards, I finally called them with the info. That didn't stop them, they still send requests for the SSN's. smh
Title: Re: Authorized users
Post by: avrumy22 on October 13, 2014, 09:32:22 AM
If I add an AU on a freedom card, will that help with building credit? It didnt ask for SS num.
Title: Re: Authorized users
Post by: ChaimMoskowitz on October 13, 2014, 09:41:57 AM
If I add an AU on a freedom card, will that help with building credit? It didnt ask for SS num.
Yes.
Title: Re: Authorized users
Post by: D93 on October 13, 2014, 10:48:34 AM
Yes.
how does chase match an AU to that person's social when you don't provide it? i'm an AU on my dad's Saphire and it shows up on my credit report and my ssn wasn't given when i was added. i hate it that it's on my CR - his utilization is nuts.
Title: Re: Authorized users
Post by: ckmk47 on October 13, 2014, 12:00:56 PM
how does chase match an AU to that person's social when you don't provide it? i'm an AU on my dad's Saphire and it shows up on my credit report and my ssn wasn't given when i was added. i hate it that it's on my CR - his utilization is nuts.
Remove yourself a AU.  Wait a cycle. If necessary, (probably will be) get in touch with the credit bureaus and tell them it was never your account.
Title: Re: Authorized users
Post by: Yehuda25 on October 13, 2014, 12:07:41 PM
how does chase match an AU to that person's social when you don't provide it? i'm an AU on my dad's Saphire and it shows up on my credit report and my ssn wasn't given when i was added. i hate it that it's on my CR - his utilization is nuts.
chase somehow figures out the social and reports it.
Title: Re: Authorized users
Post by: ChaimMoskowitz on October 13, 2014, 12:10:41 PM
how does chase match an AU to that person's social when you don't provide it? i'm an AU on my dad's Saphire and it shows up on my credit report and my ssn wasn't given when i was added. i hate it that it's on my CR - his utilization is nuts.
SS# is only one of many things CRA use to match the person to the report. Each piece on info (SS#, DOB, Name, Address, ect) is given a weight. All this info will give them a confidence number.
Title: Re: Authorized users
Post by: avrumy22 on October 13, 2014, 12:16:35 PM
chase somehow figures out the social and reports it.

This is rlly important for me. The AU's last name will be changing in the coming months  ;) and I was wondering if it was worth waiting or if the CC company will realize its the same person.
Title: Re: Authorized users
Post by: D93 on October 13, 2014, 12:21:08 PM
Remove yourself a AU.  Wait a cycle. If necessary, (probably will be) get in touch with the credit bureaus and tell them it was never your account.
i need my dad's card to spend on  :o
Title: Re: Authorized users
Post by: David R on October 13, 2014, 02:36:36 PM
i need my dad's card to spend on  :o
If he has a business, maybe he can get an Ink Plus or some other business card that will not affect your credit report.
Title: Re: Authorized users
Post by: D93 on October 13, 2014, 03:10:43 PM
If he has a business, maybe he can get an Ink Plus or some other business card that will not affect your credit report.
he won't mix personal and business expenses. He got audited once, and he said it was a nightmare. But thank god it all worked out at the end
Title: Re: Authorized users
Post by: David R on October 13, 2014, 03:36:12 PM
he won't mix personal and business expenses. He got audited once, and he said it was a nightmare. But thank god it all worked out at the end
If your father has decent credit he can get a new card account just for you to be the authorized user and not use it himself. If you keep the utilization low and keep up the payments, it will not only help your credit rating, but his too. His utilization on the other accounts that you are not authorized on will not affect you. (When applying for a new card, some people offer to split the credit limit of an existing account if that is what it takes for the issuer to open a new account. In your case, it seems like he needs the existing limit so this is not a suitable option.)
Title: Re: Authorized users
Post by: ckmk47 on October 13, 2014, 07:30:31 PM
i need my dad's card to spend on  :o
Have you applied for a card of your own?  If you haven't yet been able to get one, I like David R's idea.
If your father has decent credit he can get a new card account just for you to be the authorized user and not use it himself. If you keep the utilization low and keep up the payments, it will not only help your credit rating, but his too. His utilization on the other accounts that you are not authorized on will not affect you. (When applying for a new card, some people offer to split the credit limit of an existing account if that is what it takes for the issuer to open a new account. In your case, it seems like he needs the existing limit so this is not a suitable option.)
Or maybe your mother can get a card on her name for you to use.
Title: Re: Authorized users
Post by: D93 on October 13, 2014, 11:56:27 PM
Have you applied for a card of your own?  If you haven't yet been able to get one, I like David R's idea
are you kidding me! I have tons of my own cc's! I just gonna keep my utilization at rock bottom to counteract my dad's card
Title: Re: Authorized users
Post by: ckmk47 on October 14, 2014, 12:31:45 AM
are you kidding me! I have tons of my own cc's! I just gonna keep my utilization at rock bottom to counteract my dad's card
So dump your father's card! It's not helping you.
Title: Re: Authorized users
Post by: D93 on October 14, 2014, 12:46:36 AM
So dump your father's card! It's not helping you.
except that he pays that bill!!
Title: Re: Authorized users
Post by: ckmk47 on October 14, 2014, 01:05:23 AM
except that he pays that bill!!
;D
You really DO have a dilema.
But since you have cc's of your own I have to assume his high utilization is not dragging down your credit score too much.
Title: Re: Authorized users
Post by: avrumy22 on October 14, 2014, 10:00:52 AM
;D
You really DO have a dilema.
But since you have cc's of your own I have to assume his high utilization is not dragging down your credit score too much.

I will never understand ppl like u. You are deciding  between free money or points....??????
Title: Re: Authorized users
Post by: D93 on October 14, 2014, 10:06:51 AM
But since you have cc's of your own I have to assume his high utilization is not dragging down your credit score too much.
not an assumption, you are correct.
I will never understand ppl like u. You are deciding  between free money or points....??????
;D
Title: Re: Authorized users
Post by: ah on October 15, 2014, 03:07:30 AM
I can't find this answer with a search...wondering how many AU per amex account without being a red flag...i have 5 AU on all accounts and want to keep going for SBS if it wont piss off my friends at Amex...any guess/advice? IIRC Dan has discussed either here or at a seminar but can't remember
Title: Re: Authorized users
Post by: D93 on October 15, 2014, 03:18:49 AM
I can't find this answer with a search...wondering how many AU per amex account without being a red flag...i have 5 AU on all accounts and want to keep going for SBS if it wont piss off my friends at Amex...any guess/advice? IIRC Dan has discussed either here or at a seminar but can't remember
there's no clear number. Just don't be stupid
Title: Re: Authorized users
Post by: ah on October 15, 2014, 03:44:14 AM
there's no clear number. Just don't be stupid
is more than 5 per card stupid?
Title: Re: Authorized users
Post by: mawmaw on October 15, 2014, 10:33:42 AM
there's no clear number. Just don't be stupid
i had 10 AU on some of my acc now i upgrade ;) my revenue to 20 IDK YMMV
Title: Re: Authorized users
Post by: ChaimMoskowitz on October 15, 2014, 01:40:50 PM
is more than 5 per card stupid?
One more no but 100 more yes.
Title: Re: Authorized users
Post by: ah on October 15, 2014, 02:27:39 PM
One more no but 100 more yes.
  and 2-99? Do you mind giving me your opinion of a max number you think is not stupid...also does the credited amount still count toward spend? Obv no points
Title: Re: Authorized users
Post by: ChaimMoskowitz on October 15, 2014, 06:15:45 PM
  and 2-99? Do you mind giving me your opinion of a max number you think is not stupid...
No way to know.
Title: Re: Authorized users
Post by: etech0 on October 19, 2014, 12:25:02 AM
Here's a good example of a situation where you just have to use common sense. And/or pray.
Title: Re: Authorized users
Post by: avrumy22 on October 20, 2014, 11:46:02 AM
FYI got an AU today for amex. They asked for social and I just said I dont have it. The rep said its fine.
Title: Re: Authorized users
Post by: TimT on October 20, 2014, 11:50:07 AM
FYI an AU today for amex. They asked for social and I just said I dont have it. The rep said its fine.
Did you say you're gonna call back with it or did he mention that you should call it in ?
Title: Re: Authorized users
Post by: avrumy22 on October 20, 2014, 11:55:01 AM
Did you say you're gonna call back with it or did he mention that you should call it in ?

Neither  :)
Title: Re: Authorized users
Post by: TimT on October 20, 2014, 11:58:19 AM
Neither  :)
Cool.
Title: Re: Authorized users
Post by: MeirS on October 20, 2014, 03:17:28 PM
FYI got an AU today for amex. They asked for social and I just said I dont have it. The rep said its fine.
No one said otherwise. The question arises when you try activating it.
Title: Re: Authorized users
Post by: YG on October 21, 2014, 11:21:19 PM
Tried adding AU by chat and the rep said the system won't let him enter it without at least one of either SSN or Bday
Title: Re: Authorized users
Post by: Toasted on October 21, 2014, 11:29:04 PM
Tried adding AU by chat and the rep said the system won't let him enter it without at least one of either SSN or Bday
Approximate bday might work.
Title: Re: Authorized users
Post by: YG on October 21, 2014, 11:29:40 PM
For a 20 month old daughter...?
Title: Re: Authorized users
Post by: YG on October 21, 2014, 11:31:19 PM

Tried adding AU by chat and the rep said the system won't let him enter it without at least one of either SSN or Bday
PUTPAC?
Title: Re: Authorized users
Post by: ckmk47 on October 21, 2014, 11:32:25 PM
For a 20 month old daughter...?
then use the social
Title: Re: Authorized users
Post by: YG on October 21, 2014, 11:37:57 PM
They won't pick up on the age when they enter the social?
Title: Re: Authorized users
Post by: Toasted on October 21, 2014, 11:39:36 PM
They won't pick up on the age when they enter the social?

Try and report back. Can't see what you can lose.
Title: Re: Authorized users
Post by: ckmk47 on October 22, 2014, 12:45:07 AM
They won't pick up on the age when they enter the social?
I don't know if that comes up when they enter it into the gov't system.  I thought they only get back confirmation that it's a legit #.
So, as YG says, try it.  and let us know.  ;)
Title: Re: Authorized users
Post by: avrumy22 on October 22, 2014, 01:30:09 AM
Approximate bday might work.
+1
Read a few posts up.
Title: Re: Authorized users
Post by: zale on October 27, 2014, 11:22:30 AM
Just successfully added 8 AU's on a Delta Biz card over the phone. Did not need to provide either DOB or SS. (Said I didn't have that info with me).

The rep did however say that I would need to provide that info when activating those cards. We'll see what happens...
Title: Authorized users
Post by: YG on October 27, 2014, 02:24:50 PM
Just successfully added 8 AU's on a Delta Biz card over the phone. Did not need to provide either DOB or SS. (Said I didn't have that info with me).

The rep did however say that I would need to provide that info when activating those cards. We'll see what happens...

Called regular CS?

I called CS about my SPG and the guy told me he can't even process the request without DOB.

Time for more HUCA I guess...

UPDATE: HUCA failed. (I was at least my 6th try). Same response SSN is negotiable for later, DOB is not.
Title: Re: Authorized users
Post by: katherine123 on October 27, 2014, 03:11:02 PM
This may have been written before but I can't go through so many pages- I just ordered a SPG AMEX card that needs $5,000 spent within a time frame to get miles.

1. Can an authorized user help me spend?
2. If I add an AU and then that person wants to get this same offer, will they not qualify?
Title: Re: Authorized users
Post by: etech0 on October 27, 2014, 03:13:02 PM
This may have been written before but I can't go through so many pages- I just ordered a SPG AMEX card that needs $5,000 spent within a time frame to get miles.

1. Can an authorized user help me spend?
2. If I add an AU and then that person wants to get this same offer, will they not qualify?
1) yes
2) they will still qualify
Title: Re: Authorized users
Post by: ckmk47 on October 27, 2014, 03:40:02 PM
1) yes
2) they will still qualify
Same for all cc and au.
Title: Re: Authorized users
Post by: MeirS on October 27, 2014, 07:09:46 PM
Called regular CS?

I called CS about my SPG and the guy told me he can't even process the request without DOB.

Time for more HUCA I guess...

UPDATE: HUCA failed. (I was at least my 6th try). Same response SSN is negotiable for later, DOB is not.
Who said the DOB has to be accurate?
Title: Re: Authorized users
Post by: efflpetzel on October 27, 2014, 08:40:10 PM

Who said the DOB has to be accurate?
+1, I totally don't understand your problem here
Title: Re: Authorized users
Post by: YG on October 27, 2014, 08:54:51 PM
Outright lying is a little outside my comfort zone...
Title: Re: Authorized users
Post by: Toasted on October 27, 2014, 08:56:51 PM
Outright lying is a little outside my comfort zone...

Give them your best estimate  8)
Title: Re: Authorized users
Post by: YG on October 27, 2014, 08:57:35 PM
Does 20 yrs off count as approximate?
;)
Title: Re: Authorized users
Post by: zuma35 on October 27, 2014, 09:09:10 PM
I mistakenly added an AU to my card twice both with the same SSN. Now the same person has 2 AU cards on my account with different card numbers. Do you think this is a possible F/R trigger?
Title: Re: Authorized users
Post by: noturbizniss on October 27, 2014, 09:13:54 PM
I have the same person with multiple AU cards under the same account (e.g. John smith with 3 cards under my SPG biz, all with the same valid ssn). no issues when I signed up or activated them.
Title: Re: Authorized users
Post by: zuma35 on October 27, 2014, 09:27:55 PM
Have they used the all the cards?
Title: Re: Authorized users
Post by: noturbizniss on October 27, 2014, 09:46:19 PM
Have they used the all the cards?
Nope, but they are showing up on the list of cards on the website. Don't see how it would be an issue. I can test it over the next few days.
Title: Re: Authorized users
Post by: etech0 on October 29, 2014, 08:37:35 PM
Are there any potential negative ramifications (long term or otherwise) to being an AU on someone's card?
Title: Re: Authorized users
Post by: David R on October 29, 2014, 08:56:25 PM
Are there any potential negative ramifications (long term or otherwise) to being an AU on someone's card?
If the utilization is high or if it is not paid on time, it does not look good on the AU's credit report.
Title: Re: Authorized users
Post by: etech0 on October 29, 2014, 09:00:58 PM
If the utilization is high or if it is not paid on time, it does not look good on the AU's credit report.
Right. Anything else? Assuming the account holder knows what they're doing, is there any other potential issue?
Would it affect the AU negatively to close the account (after some time), because now his credit utilization will go down?
Title: Re: Authorized users
Post by: ckmk47 on October 30, 2014, 12:27:43 AM
Right. Anything else? Assuming the account holder knows what they're doing, is there any other potential issue?
Would it affect the AU negatively to close the account (after some time), because now his total credit line will go down?
FTFY.  I don't think so.  I would think it looks at the account holders use ratio (%) without combining it with the AUs.
Title: Re: Authorized users
Post by: ChaimMoskowitz on October 30, 2014, 12:43:18 AM
Are there any potential negative ramifications (long term or otherwise) to being an AU on someone's card?
If the primary user gets blaklisted it could also extend to the AU's. I only bring this up because of what is going on with Amex BC.
Title: Re: Authorized users
Post by: efflpetzel on October 30, 2014, 09:53:05 AM

If the utilization is high or if it is not paid on time, it does not look good on the AU's credit report.
does this also apply to being an AU on a biz card?
Title: Re: Authorized users
Post by: ckmk47 on October 30, 2014, 10:15:36 AM
does this also apply to being an AU on a biz card?
Utilization on a biz card doesn't count even for the account holder. So certainly not for the AU.
Title: Re: Authorized users
Post by: ChaimMoskowitz on October 30, 2014, 10:20:15 AM
Utilization on a biz card doesn't count even for the account holder. So certainly not for the AU.
Be careful because some business cards do report to the CRA's.
Title: Re: Authorized users
Post by: D93 on October 30, 2014, 02:08:53 PM
Be careful because some business cards do report to the CRA's.
which ones?
Title: Re: Authorized users
Post by: yitzyul on November 02, 2014, 11:38:11 PM
Dunno if this was discussed but allot of credit cards if you add a spouse as an AU during the application process they will stay an AU for life and can't take them off. I learn this the hard way! ( i didn't even give them the social, it went on my credit report just based on name an address!)
Title: Re: Authorized users
Post by: ckmk47 on November 02, 2014, 11:41:51 PM
Dunno if this was discussed but allot of credit cards if you add a spouse as an AU during the application process they will stay an AU for life and can't take them off. I learn this the hard way! ( i didn't even give them the social, it went on my credit report just based on name an address!)
You can still apply for that card in your name and get the bonus.  It's only a problem for you if the card is misused in terms of good credit practices.
Title: Re: Authorized users
Post by: yitzyul on November 02, 2014, 11:58:40 PM
You can still apply for that card in your name and get the bonus.  It's only a problem for you if the card is misused in terms of good credit practices.
Correct! thats why its better to apply and then wait a few days and then add on spouse!
Title: Re: Authorized users
Post by: Super Speed on November 03, 2014, 12:19:32 AM
Instead of calling Amex and adding made up Authorized Users to my cards and not giving SS numbers can I just make myself an AU on my cards multiple times over, online?
Title: Re: Authorized users
Post by: zh cohen on November 03, 2014, 08:26:07 PM
Instead of calling Amex and adding made up Authorized Users to my cards and not giving SS numbers can I just make myself an AU on my cards multiple times over, online?

I accidentally added someone twice to one account online. It went through without any problem, but I imagine it is probably a FR risk, right?
Title: Re: Authorized users
Post by: TimT on November 03, 2014, 08:33:44 PM
Instead of calling Amex and adding made up Authorized Users to my cards and not giving SS numbers can I just make myself an AU on my cards multiple times over, online?
I accidentally added someone twice to one account online. It went through without any problem, but I imagine it is probably a FR risk, right?
http://www.dansdeals.com/archives/54108
"You can even add the primary cardholder as an additional user and you can add the same additional member multiple times to the same primary account!"
Title: Re: Authorized users
Post by: YG on November 03, 2014, 08:45:28 PM

http://www.dansdeals.com/archives/54108
"You can even add the primary cardholder as an additional user and you can add the same additional member multiple times to the same primary account!"
Is this not known to be associated with in teasing risk of F/R?
If so, it's the ticket I've been looking for...
Title: Re: Authorized users
Post by: TimT on November 03, 2014, 11:07:01 PM
After verifying info I got a message "pending final verification I'll get in in 2 weeks". Is that regular ?
Title: Re: Authorized users
Post by: noturbizniss on November 03, 2014, 11:25:22 PM
After verifying info I got a message "pending final verification I'll get in in 2 weeks". Is that regular ?
Yup. Happens for every app, and I always get within 3-5 business days. (including when I added myself as an AU to my own card. For multiple cards. Multiple times. In the same "set" of AU apps.
Title: Re: Authorized users
Post by: TimT on November 03, 2014, 11:33:11 PM
Yup. Happens for every app, and I always get within 3-5 business days. (including when I added myself as an AU to my own card. For multiple cards. Multiple times. In the same "set" of AU apps.
Good to know. This is the 1st pending I got. The others all said "thank you for your order. The following AU's will arrive..."
Title: Re: Authorized users
Post by: kangarruu on November 04, 2014, 07:50:21 AM
Quote
We are sorry, you are not able to apply for an Additional Card online. Please call the number on the back of your Card if you have additional inquiries.

I'm getting this message when trying to add AUs to either my of DH's Everyday cards. We already have 3 (unactivated but with SSN) AUs on each card. I'm able to add AUs to other Amex cards on those accounts.
Title: Re: Authorized users
Post by: bingit on November 04, 2014, 11:48:52 AM
Called amex to add au to my blue cash card and they told me I can only have 3 au per card. .... can anyone confirm that's true or should I just Huca?
Title: Re: Authorized users
Post by: Marco Polo on November 04, 2014, 11:52:52 AM
Called amex to add au to my blue cash card and they told me I can only have 3 au per card. .... can anyone confirm that's true or should I just Huca?
HUCA.
Title: Re: Authorized users
Post by: Super Speed on November 04, 2014, 11:56:13 AM
Called amex to add au to my blue cash card and they told me I can only have 3 au per card. .... can anyone confirm that's true or should I just Huca?
Online it's 3 at a time but I did about 40 so far.
Title: Re: Authorized users
Post by: bingit on November 04, 2014, 12:46:12 PM
Online it's 3 at a time but I did about 40 so far.
I spoke to a rep. on the phone and they told me I can't add any more au's because I allready have 3 added to the  card. Guess I will try calling them again. ...
Title: Re: Authorized users
Post by: avrumy22 on November 04, 2014, 05:10:15 PM
Online it's 3 at a time but I did about 40 so far.

how do u add AU's online?
Title: Re: Authorized users
Post by: TimT on November 04, 2014, 05:11:03 PM
how do u add AU's online?
In your account "add others to your account".
Title: Re: Authorized users
Post by: noturbizniss on November 04, 2014, 05:11:06 PM
how do u add AU's online?
Left side of screen choose link that says to add additional cards
Title: Re: Authorized users
Post by: Super Speed on November 04, 2014, 08:45:24 PM
Will it show on my credit report 40X?
Title: Re: Authorized users
Post by: ChaimMoskowitz on November 05, 2014, 01:27:08 AM
Will it show on my credit report 40X?
Are they all in your name?
Title: Re: Authorized users
Post by: lfas25 on November 05, 2014, 02:26:59 AM
Are they all in your name?

I had the same question... I added myself several times as an AU on my own account.
Title: Re: Authorized users
Post by: TimT on November 05, 2014, 02:29:20 AM
What's the problem if it does show in the CR ?
Title: Re: Authorized users
Post by: Marco Polo on November 05, 2014, 09:33:55 AM
Blue Cash card can only have "3 active additional cards" as per CSR. I am going to HUCA, but would like to get some reassurance.
Title: Re: Authorized users
Post by: bingit on November 05, 2014, 10:02:18 AM
Blue Cash card can only have "3 active additional cards" as per CSR. I am going to HUCA, but would like to get some reassurance.
was told the same thing by a csr a few days  ago but never got around to Huca
Title: Re: Authorized users
Post by: lunatic on November 05, 2014, 10:07:11 AM
I  have more than 3 on mime
Title: Re: Authorized users
Post by: TimT on November 05, 2014, 10:08:52 AM
Blue Cash card can only have "3 active additional cards" as per CSR. I am going to HUCA, but would like to get some reassurance.
Have you tried getting more online ?
Title: Re: Authorized users
Post by: Marco Polo on November 05, 2014, 10:10:17 AM
Have you tried getting more online ?
Not yet. If HUCA won't work, i'll try online.
Title: Re: Authorized users
Post by: TimT on November 05, 2014, 10:12:16 AM
Not yet. If HUCA won't work, i'll try online.
Do they keep notes that people keep calling for au's ?
Title: Re: Authorized users
Post by: DaveInLA on November 05, 2014, 10:37:35 AM
When you call to add yourself or spouse as AU, does the CSR get suspicious? Can't they see that you are adding yourself? Can I add myself online too?
Title: Re: Authorized users
Post by: TimT on November 05, 2014, 10:38:48 AM
Can I add myself online too?
Sure. AU is made for a spouse among others, what's there to get suspicious about ?
Title: Re: Authorized users
Post by: Super Speed on November 05, 2014, 11:56:56 AM
When you call to add yourself or spouse as AU, does the CSR get suspicious? Can't they see that you are adding yourself? Can I add myself online too?
They told me I can add myself as many times as I want.
Title: Re: Authorized users
Post by: Super Speed on November 05, 2014, 11:57:12 AM
Are they all in your name?
Yes.
Title: Re: Authorized users
Post by: TimT on November 05, 2014, 11:58:59 AM
They told me I can add myself as many times as I want.
What's the problem if it does show in the CR ?
Title: Re: Authorized users
Post by: Super Speed on November 05, 2014, 11:59:44 AM

Uhm that I have 100's of CCs in my name?
Title: Re: Authorized users
Post by: TimT on November 05, 2014, 12:00:31 PM
Uhm that I have 100's of CCs in my name?
If they're all in good standing what's wrong with that ?
Title: Re: Authorized users
Post by: Marco Polo on November 05, 2014, 12:01:14 PM
Some banks may hold it against you for being an AU on many cards.
Title: Re: Authorized users
Post by: Super Speed on November 05, 2014, 12:01:31 PM
If they're all in good standing what's wrong with that ?
Don't want banks to see that, it looks scary. If Chase decides to do a soft pull at my credit I think I would get A/Ad.
Title: Re: Authorized users
Post by: YG on November 05, 2014, 12:03:54 PM
Think banks would accept the truth when applying for Mortgage?

"Sir, is there a good reason why you have  more than 100 credit cards in your name?"

"Yes. Small Business Saturday".
Title: Re: Authorized users
Post by: TimT on November 05, 2014, 12:04:05 PM
Don't want banks to see that, it looks scary. If Chase decides to do a soft pull at my credit I think I would get A/Ad.
Then how do Dan & others do it ?
Title: Re: Authorized users
Post by: DaveInLA on November 05, 2014, 12:39:04 PM
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.
Title: Re: Authorized users
Post by: avrumy22 on November 05, 2014, 12:57:18 PM
any cards still backdate for AU's?
Title: Re: Authorized users
Post by: Redbull3 on November 05, 2014, 01:06:46 PM
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.

I also signed myself up a bunch of times, so I'll be TOFTT to find out. Although I'm deducing this is something some of the more senior members have done successfully in the past w/o killing their credit.
Title: Re: Authorized users
Post by: Jardins on November 05, 2014, 01:19:18 PM
I added 5au per ssn under my cc's(for about 8 individuals.) Under 1 of my cc's it's showing all new cards, and under the 2nd card no added cards are coming up on amex.com.

Please help???

PREPARING FOR SBS..........
Title: Re: Authorized users
Post by: Super Speed on November 05, 2014, 01:22:52 PM
I added 5au per ssn under my cc's(for about 8 individuals.) Under 1 of my cc's it's showing all new cards, and under the 2nd card no added cards are coming up on amex.com.

Please help???

PREPARING FOR SBS..........
Same thing here, it can take up to 48 hours to show, I randomly see more and more showing...
Title: Re: Authorized users
Post by: Jardins on November 05, 2014, 01:31:22 PM
Oh.... If it's accurate, you made my day.
Worked so hard adding everyone and then not showing up!!!??? >:(

Thanks. :)
Title: Re: Authorized users
Post by: DaveInLA on November 05, 2014, 01:54:10 PM
Can someone comment if having mult AU of yourself affects your total credit line and therefore ability to apply for new cards? I want to apply for SPG business and Chase SW cards soon.
Title: Re: Authorized users
Post by: TimT on November 05, 2014, 01:57:18 PM
Can someone comment if having mult AU of yourself affects your total credit line and therefore ability to apply for new cards? I want to apply for SPG business and Chase SW cards soon.
Credit line doesn't change.
Title: Re: Authorized users
Post by: DaveInLA on November 05, 2014, 03:03:25 PM

Credit line doesn't change.

I'm asking if each AU card will have its own CL in addition to primary card, thus increasing CL associated with SSN. If not, then there should be NO negative consequences of adding yourself as AU?
Title: Re: Authorized users
Post by: noturbizniss on November 05, 2014, 03:06:54 PM
I'm asking if each AU card will have its own CL in addition to primary card, thus increasing CL associated with SSN. If not, then there should be NO negative consequences of adding yourself as AU?
That's what TimT said. It does not. AU are just htat. Authorized users...of the existing credit limit.
Title: Re: Authorized users
Post by: DaveInLA on November 05, 2014, 03:12:27 PM
Ok. In that case, why are some people reluctant to apply for AU online and include SSN? I'm talking about when adding themselves as AU.
Title: Re: Authorized users
Post by: Super Speed on November 05, 2014, 03:39:49 PM
Ok. In that case, why are some people reluctant to apply for AU online and include SSN? I'm talking about when adding themselves as AU.
Because we're worried that on your credit report it'll show multiple times, even though its only 1 credit line
Title: Re: Authorized users
Post by: ChaimMoskowitz on November 05, 2014, 03:44:52 PM
I'm asking if each AU card will have its own CL in addition to primary card, thus increasing CL associated with SSN. If not, then there should be NO negative consequences of adding yourself as AU?
On the CR it will have its own CL the same as the primary holder. If AU's CL's are used for calculating the score then all the AU cards listed will be used. Also what if the account is say 6 mo's old. Now all AU accounts listed will be 6 mo's and drag down your AAoA and your score. What if there is a balance. Now all the AU cards will show the balance and effect the score.
Title: Re: Authorized users
Post by: D93 on November 05, 2014, 03:47:29 PM
On the CR it will have its own CL the same as the primary holder.
How do you know this?
Title: Re: Authorized users
Post by: DaveInLA on November 05, 2014, 03:49:23 PM

On the CR it will have its own CL the same as the primary holder. If AU's CL's are used for calculating the score then all the AU cards listed will be used. Also what if the account is say 6 mo's old. Now all AU accounts listed will be 6 mo's and drag down your AAoA and your score. What if there is a balance. Now all the AU cards will show the balance and effect the score.

So you're saying self AU cards CAN harm our score? Others don't seem to agree. Do we not have a consensus?
Title: Re: Authorized users
Post by: DaveInLA on November 05, 2014, 03:51:06 PM

How do you know this?

I gave my sister AU to my citi AA card a few months ago and she said she got $20k CL, which is the same as mine. What I wasn't clear on was if she shared my CL or if she is her own.
Title: Re: Authorized users
Post by: ChaimMoskowitz on November 05, 2014, 03:53:25 PM
So you're saying self AU cards CAN harm our score? Others don't seem to agree. Do we not have a consensus?
You don't need a consensus. I AM RIGHT!  :)
Title: Re: Authorized users
Post by: ChaimMoskowitz on November 05, 2014, 03:57:33 PM
How do you know this?
Because I just make things up as we go along.  :P
Title: Re: Authorized users
Post by: D93 on November 05, 2014, 04:08:58 PM
I gave my sister AU to my citi AA card a few months ago and she said she got $20k CL, which is the same as mine. What I wasn't clear on was if she shared my CL or if she is her own.
what you are saying is correct, but it doesn't prove anything when it comes to adding yourself as an AU
Title: Re: Authorized users
Post by: DaveInLA on November 05, 2014, 04:12:21 PM

what you are saying is correct, but it doesn't prove anything when it comes to adding yourself as an AU

So you think the reason that your own AU won't be given its own line of credit is because SSN is the same?
Title: Re: Authorized users
Post by: D93 on November 05, 2014, 04:23:15 PM
So you think the reason that your own AU won't be given its own line of credit is because SSN is the same?
i have no opinion in this discussion here, i am clueless. But i was just disproving you
Title: Re: Authorized users
Post by: ChaimMoskowitz on November 05, 2014, 04:25:00 PM
You don't need a consensus. I AM RIGHT!  :)
Unless someone is willing to dispute this then SIT DOWN AND SHUT UP!  :D
Title: Re: Authorized users
Post by: DaveInLA on November 05, 2014, 04:32:01 PM

Unless someone is willing to dispute this then SIT DOWN AND SHUT UP!  :D

In all seriousness, do you have any experience on this or any evidence, or are you just guessing?
Title: Re: Authorized users
Post by: Super Speed on November 05, 2014, 04:32:18 PM
In all seriousness, do you have any experience on this or any evidence, or are you just guessing?
I would trust CM.
Title: Re: Authorized users
Post by: noturbizniss on November 05, 2014, 04:50:37 PM
I gave my sister AU to my citi AA card a few months ago and she said she got $20k CL, which is the same as mine. What I wasn't clear on was if she shared my CL or if she is her own.
Yours. You can spend a combined 20K, not 20K each
Title: Re: Authorized users
Post by: D93 on November 05, 2014, 04:54:01 PM
Even according to the people that are saying that it'll be reported as a new CL on your CR, adding yourself as a AU on your own Business card shouldn't result in this happening because business credit lines aren't reported - NO?
Title: Re: Authorized users
Post by: ChaimMoskowitz on November 05, 2014, 04:56:02 PM
In all seriousness, do you have any experience on this or any evidence, or are you just guessing?
Look at any CR and you will have your answer.
Title: Re: Authorized users
Post by: Redbull3 on November 05, 2014, 05:07:02 PM
On the CR it will have its own CL the same as the primary holder. If AU's CL's are used for calculating the score then all the AU cards listed will be used. Also what if the account is say 6 mo's old. Now all AU accounts listed will be 6 mo's and drag down your AAoA and your score. What if there is a balance. Now all the AU cards will show the balance and effect the score.

Thanks for the insight - this makes a lot of sense. I'm less concerned with my score and more concerned with what future chase reps would see when they look in my CR at my next MBM. They will see a ton of accounts, right? I will have to verbally explain to look closer and notice they are just AU?

What if I closed the AU accounts right after SBS would they stick or go away?

Even according to the people that are saying that it'll be reported as a new CL on your CR, adding yourself as a AU on your own Business card shouldn't result in this happening because business credit lines aren't reported - NO?

CM - what can you tell us about biz vs personal AU.

Title: Re: Authorized users
Post by: ChaimMoskowitz on November 05, 2014, 05:20:55 PM
@RB3  :)

I am not sure how close Chase will look. If they do look they will see them. They do not go away when you close an account. You have to call/write/dispute to have them removed. Most just dispute saying they are not mine.

Most business cards are not reported unless in default (missed payment). There are some IIRC like Discover that do report. Chase had a glitch at one time where they were reporting business cards. They did fix it and removed the business cards from reports.
Title: Re: Authorized users
Post by: D93 on November 05, 2014, 05:22:49 PM
Most business cards are not reported unless in default (missed payment). There are some IIRC like Discover that do report. Chase had a glitch at one time where they were reporting business cards. They did fix it and removed the business cards from reports.
Thanks for the info.
Title: Re: Authorized users
Post by: ChaimMoskowitz on November 05, 2014, 05:26:59 PM
Thanks for the info.
I see we are making progress.  ;)
How do you know this?
Title: Re: Authorized users
Post by: D93 on November 05, 2014, 05:28:10 PM
I see we are making progress.  ;)
:) :)
Title: Re: Authorized users
Post by: ah on November 05, 2014, 05:31:59 PM
I would trust CM.
+1000000
Title: Re: Authorized users
Post by: DaveInLA on November 05, 2014, 05:42:33 PM
Well, if all this is true, my credit just took a hit. I just opened 6 AU cards (3 accounts, 2 AU each). This means that my CR will show 6 new cards for about $40k.
Title: Re: Authorized users
Post by: ChaimMoskowitz on November 05, 2014, 05:51:37 PM
When you add AU's with Amex you should do it so it helps your CR/score not hurt it. This is already past the point of TMI so this is my last post on the subject. No PM's!
Title: Re: Authorized users
Post by: DaveInLA on November 05, 2014, 06:00:32 PM

When you add AU's with Amex you should do it so it helps your CR/score not hurt it. This is already past the point of TMI so this is my last post on the subject. No PM's!

Well, I created the AU to take advantage of SBS. I didn't think it would affect my credit. I see now I should've called in to avoid giving SSN. 
Title: Re: Authorized users
Post by: zh cohen on November 05, 2014, 07:40:58 PM
Well, I created the AU to take advantage of SBS. I didn't think it would affect my credit. I see now I should've called in to avoid giving SSN.

Wouldn't have helped. (Unless you give them names of people that don't exist...)
Title: Re: Authorized users
Post by: DaveInLA on November 05, 2014, 08:00:11 PM
Wouldn't have helped. (Unless you give them names of people that don't exist...)

Because they would've matched my name to the primary account?

I'm thinking of adding my wife as well, but now I'm worried about too many AU. Everything I've read before today has said that just adding AU can't hurt your credit score or report (assuming healthy spending on AU's part), but now I'm not so sure. Does what CM wrote only apply if you add yourself as AU, or does it apply to adding any AU?

How comfortable would DDFers be adding another (legit) AU in this situation? I have 3 AMEX cards, 2 are from over 2 years old, 1 was opened 2 months ago. My wife was an AU on the oldest card for over a year now, I want to add her on the other 2 cards.
Title: Re: Authorized users
Post by: Super Speed on November 05, 2014, 08:02:14 PM
Because they would've matched my name to the primary account?

I'm thinking of adding my wife as well, but now I'm worried about too many AU. Everything I've read before today has said that just adding AU can't hurt your credit score or report (assuming healthy spending on AU's part), but now I'm not so sure. Does what CM wrote only apply if you add yourself as AU, or does it apply to adding any AU?
My guess would be even adding yourself numerous times will get reported multiple times. I was just hopeful that maybe someone would say not like that but alas that doesn't seem to be the case.
Title: Re: Authorized users
Post by: TimT on November 05, 2014, 08:05:27 PM
My guess would be even adding yourself numerous times will get reported multiple times. I was just hopeful that maybe someone would say not like that but alas that doesn't seem to be the case.
If that's the case I think Dan should add that in to his main site post. He said its fine to do.
Title: Re: Authorized users
Post by: 3yummyboys on November 05, 2014, 08:19:22 PM
I know that having yourself added as an AU on a long standing card can help bump up your credit. What happens if you are added to card that was opened before you were born? My dad  has had a card since 1982 (I know I'm dating myself) and I want him to add me as an AU to boost my credit score. Won't it look weird if the length of credit history is longer than my age?
Title: Re: Authorized users
Post by: Super Speed on November 05, 2014, 08:34:45 PM
I know that having yourself added as an AU on a long standing card can help bump up your credit. What happens if you are added to card that was opened before you were born? My dad  has had a card since 1982 (I know I'm dating myself) and I want him to add me as an AU to boost my credit score. Won't it look weird if the length of credit history is longer than my age?
They'll probably stumble and get a good laugh when you call in and they say "thanks for being a cardmember from at least 1982" when they see you're only 30.
Title: Re: Authorized users
Post by: coralsnake on November 05, 2014, 08:35:29 PM
I know that having yourself added as an AU on a long standing card can help bump up your credit. What happens if you are added to card that was opened before you were born? My dad  has had a card since 1982 (I know I'm dating myself) and I want him to add me as an AU to boost my credit score. Won't it look weird if the length of credit history is longer than my age?
Dating yourself?
You weren't around in 82?
Does that mean I'm old????
Title: Re: Authorized users
Post by: TimT on November 05, 2014, 08:42:09 PM
Dating yourself?
You weren't around in 82?
Does that mean I'm old????
Ancient !!
Title: Re: Authorized users
Post by: Novo on November 05, 2014, 09:31:01 PM
Because they would've matched my name to the primary account?

I'm thinking of adding my wife as well, but now I'm worried about too many AU. Everything I've read before today has said that just adding AU can't hurt your credit score or report (assuming healthy spending on AU's part), but now I'm not so sure. Does what CM wrote only apply if you add yourself as AU, or does it apply to adding any AU?
Adding someone else as an AU won't hurt your CR. Adding yourself multiple times may hurt your CR.
Title: Re: Authorized users
Post by: ckmk47 on November 05, 2014, 11:08:50 PM
I know that having yourself added as an AU on a long standing card can help bump up your credit. What happens if you are added to card that was opened before you were born? My dad  has had a card since 1982 (I know I'm dating myself) and I want him to add me as an AU to boost my credit score. Won't it look weird if the length of credit history is longer than my age?
They don't backdate the AU to the age of the card any more.  alas.
Title: Re: Authorized users
Post by: Super Speed on November 05, 2014, 11:44:54 PM
They don't backdate the AU to the age of the card any more.  alas.
HUCA?
Title: Re: Authorized users
Post by: ChaimMoskowitz on November 06, 2014, 12:19:15 AM
Wouldn't have helped. (Unless you give them names of people that don't exist...)
...and if you did that you now have committed wire/mail fraud.
Title: Re: Authorized users
Post by: zh cohen on November 06, 2014, 07:45:12 AM
...and if you did that you now have committed wire/mail fraud.

So why are half the people in this thread trying to figure out how to add AUs without a SS#?

Just for the record, I personally added all of my AUs online with SS# and birthdays. ( Just wanted to make that clear in case the FBI is monitoring this thread... ;) )
Title: Re: Authorized users
Post by: TimT on November 06, 2014, 07:50:41 AM
( Just wanted to make that clear in case the FBI is monitoring this thread... ;) )
We so are.  8)
Title: Re: Authorized users
Post by: DaveInLA on November 07, 2014, 07:08:35 PM
How long does it really take for AMEX AU cards to arrive. I know AMEX says up to 2 weeks; does it really take that long? If so, I might be late to add some more AU for SBS. In the past, when does registration fill up? First day? Second day?

Edit: I signed up all the AU online (2 for myself 2 days ago, 1 for wife today); should I call them to expedite the delivery of them?
Title: Re: Authorized users
Post by: noturbizniss on November 08, 2014, 05:49:26 PM
How long does it really take for AMEX AU cards to arrive. I know AMEX says up to 2 weeks; does it really take that long? If so, I might be late to add some more AU for SBS. In the past, when does registration fill up? First day? Second day?

Edit: I signed up all the AU online (2 for myself 2 days ago, 1 for wife today); should I call them to expedite the delivery of them?
Usually within a week to a week and a half. I'm going to be adding a few more this week. Definitely enough time, with SBS being 3 weeks away


That was my question does it ever get full beforehand if yes a day a week?



Last year Dan posted a reminder the day before to register, so it seems it's open till SBS. (Although now that he posted that you could keep adding yourself & spouse again & again let's see if it fills up faster. :) )

Title: Re: Authorized users
Post by: TimT on November 08, 2014, 05:53:19 PM
How long does it really take for AMEX AU cards to arrive. I know AMEX says up to 2 weeks; does it really take that long? If so, I might be late to add some more AU for SBS. In the past, when does registration fill up? First day? Second day?

Edit: I signed up all the AU online (2 for myself 2 days ago, 1 for wife today); should I call them to expedite the delivery of them?
I just got a few today that I signed up for a week ago.
Title: Re: Authorized users
Post by: Novo on November 08, 2014, 11:54:05 PM
How long does it really take for AMEX AU cards to arrive. I know AMEX says up to 2 weeks; does it really take that long? If so, I might be late to add some more AU for SBS. In the past, when does registration fill up? First day? Second day?

Edit: I signed up all the AU online (2 for myself 2 days ago, 1 for wife today); should I call them to expedite the delivery of them?
IME they didn't want to expedite only if I provide them the SSN
Title: Re: Authorized users
Post by: smiley face on November 09, 2014, 12:18:29 AM
Was reading the past few pages and it seems risky to be adding AU.
Would it be likely that 7 authorized users per a card cause a FR?
Didn't understand... What does self AU cards mean? How can you add yourself?
Is it better to give legit people with a DOB and SSN or vice versa?
Title: Re: Authorized users
Post by: TimT on November 09, 2014, 12:36:47 AM
What does self AU cards mean? How can you add yourself?
By putting your name & ssn.
Title: Re: Authorized users
Post by: smiley face on November 09, 2014, 01:05:17 AM
By putting your name & ssn.
So for example John Smith adds himself as an AU on one of his own cards??
Title: Re: Authorized users
Post by: TimT on November 09, 2014, 01:07:42 AM
So for example John Smith adds himself as an AU on one of his own cards??
Yes
Might wanna read this though. http://forums.dansdeals.com/index.php?topic=1716.msg957005#msg957005
Title: Re: Authorized users
Post by: runnergirl on November 09, 2014, 09:19:49 AM
Just want to confirm: for SBS, I will need to have at least $30 in an AU BB account? Correct?
Title: Re: Authorized users
Post by: smiles on November 09, 2014, 09:42:43 AM
Just want to confirm: for SBS, I will need to have at least $30 in an AU BB account? Correct?

Yup  :)
Title: Re: Authorized users
Post by: TimT on November 09, 2014, 09:43:20 AM
Just want to confirm: for SBS, I will need to have at least $30 in an AU BB account? Correct?
Make sure it's loaded with as much as you plan on swiping.
Title: Re: Authorized users
Post by: runnergirl on November 09, 2014, 09:52:35 AM
great - just wanted to confirm. Thanks guys!
Title: Re: Authorized users
Post by: miles lover on November 09, 2014, 09:53:03 AM
Is it possible to get more then 4 family accounts on bluebird ?
Title: Re: Authorized users
Post by: runnergirl on November 09, 2014, 09:58:36 AM
Nope 4 AU's only
Title: Re: Authorized users
Post by: bznt on November 09, 2014, 10:08:11 AM
I tried to sync my bluebird on Twitter and it would not accept my card. Got a error message
Title: Re: Authorized users
Post by: MeirS on November 09, 2014, 11:05:04 AM
Nope 4 AU's only
Is that at 1 + 4 or a total of 4?
Title: Re: Authorized users
Post by: kangarruu on November 09, 2014, 11:17:00 AM
Is that at 1 + 4 or a total of 4?

Main account plus 4 AUs, so five cards in total.
Title: Re: Authorized users
Post by: ah on November 09, 2014, 11:37:31 AM
Every sub account on BB or serve needs an email a dress that's not tied to another BB or Serve account in any way...I tried +1 did not work...anyone find a way around this? I don't have THAT many email addresses and will be a pain to create so many
Title: Re: Authorized users
Post by: kangarruu on November 09, 2014, 11:39:23 AM
Every sub account on BB or serve needs an email a dress that's not tied to another BB or Serve account in any way...I tried +1 did not work...anyone find a way around this? I don't have THAT many email addresses and will be a pain to create so many

Putting a period works fine. Example@gmail.com, e.xample@gmail.com, ex.ample@gmail.com...
Title: Re: Authorized users
Post by: ah on November 09, 2014, 11:40:19 AM
Putting a period works fine. Example@gmail.com, e.xample@gmail.com, ex.ample@gmail.com...
thanks! Should have tried that...
Title: Re: Authorized users
Post by: Joe4007 on November 09, 2014, 11:56:29 AM
Putting a period works fine. Example@gmail.com, e.xample@gmail.com, ex.ample@gmail.com...
Stupid me forgot that this only works with Gmail. Gonna have to call in and have them change it.
Title: Re: Authorized users
Post by: Super Speed on November 09, 2014, 01:46:54 PM
Interesting that adding a period works, my real gmail has a period in it as the one without a period was taken...
Hope that person is not getting my emails as well.
Title: Re: Authorized users
Post by: ChaimMoskowitz on November 09, 2014, 01:50:35 PM
Hope that person is not getting my emails as well.
LOL!
Title: Re: Authorized users
Post by: etech0 on November 09, 2014, 01:51:41 PM
How long does it take for amex AU cards to arrive?
Title: Re: Authorized users
Post by: kangarruu on November 09, 2014, 01:54:06 PM
Interesting that adding a period works, my real gmail has a period in it as the one without a period was taken...
Hope that person is not getting my emails as well.

I would test it out. Google says that it totally ignores periods (http://gmailblog.blogspot.com/2008/03/2-hidden-ways-to-get-more-from-your.html), so there shouldn't be a way to have different gmail accounts with the only difference being a period.
Title: Re: Authorized users
Post by: kangarruu on November 09, 2014, 01:54:59 PM
How long does it take for amex AU cards to arrive?

I don't remember exactly, but most of mine came around 5-7 days after I ordered them, IIRC. Still plenty of time.
Title: Re: Authorized users
Post by: TimT on November 09, 2014, 01:56:13 PM
How long does it take for amex AU cards to arrive?
Mine came in 1 week.
Title: Re: Authorized users
Post by: etech0 on November 09, 2014, 01:56:24 PM
I don't remember exactly, but most of mine came around 5-7 days after I ordered them, IIRC. Still plenty of time.
thanks
Title: Re: Authorized users
Post by: jewdkoff on November 09, 2014, 07:30:47 PM
So I added a friend as an AU on an AMEX card. It worked out great and he got approved for two cards. Then AMEX did a security freeze on him (they just wanted to confirm his identity) and he didn't get back to them in time so they closed his accounts and wouldn't let him reopen them.

My question is how do I protect myself from any adverse action from Amex. Drop his card as an AU?
Title: Re: Authorized users
Post by: noturbizniss on November 09, 2014, 10:00:15 PM
So I added a friend as an AU on an AMEX card. It worked out great and he got approved for two cards. Then AMEX did a security freeze on him (they just wanted to confirm his identity) and he didn't get back to them in time so they closed his accounts and wouldn't let him reopen them.

My question is how do I protect myself from any adverse action from Amex. Drop his card as an AU?
Unless he had balance on your card that he didn't pay, your should be fine.
Title: Re: Authorized users
Post by: jewdkoff on November 09, 2014, 10:16:58 PM
Unless he had balance on your card that he didn't pay, your should be fine.

Thanks!

Next question, how do you add a young child as an AU? I get the trick where you call and don't give a social, but what do you do with the birthday? Give a fake and change later? (this would be for a baby if it's possible...)
Title: Re: Authorized users
Post by: noturbizniss on November 09, 2014, 10:21:39 PM
Thanks!

Next question, how do you add a young child as an AU? I get the trick where you call and don't give a social, but what do you do with the birthday? Give a fake and change later? (this would be for a baby if it's possible...)
Just add yourself
Title: Re: Authorized users
Post by: jewdkoff on November 09, 2014, 10:23:35 PM
This is for credit building purposes.

I didn't realize adding yourself was an option.
Title: Re: Authorized users
Post by: smiley face on November 09, 2014, 11:24:49 PM
When calling in to add AU is it risky to ask them to do 5 for all my cards?
Or should I call in separately?
Title: Re: Authorized users
Post by: itsyehuda on November 09, 2014, 11:34:06 PM

When calling in to add AU is it risky to ask them to do 5 for all my cards?
Or should I call in separately?

I did two each for all of my cards in one call. Five of yourself probably wouldn't fly though
Title: Re: Authorized users
Post by: JamesIV on November 10, 2014, 04:29:33 PM
I just added 5 AU to my delta amex but when I called to register them it required me to put in the social and dob
Title: Re: Authorized users
Post by: Marco Polo on November 10, 2014, 04:44:41 PM
I just added 5 AU to my delta amex but when I called to register them it required me to put in the social and dob
Try chatting with them.
Title: Re: Authorized users
Post by: zlt123 on November 10, 2014, 05:57:20 PM
on DDMS : a lot of times you dont need to activate it you could just try it once before SBS to make sure
Title: Re: Authorized users
Post by: Marco Polo on November 10, 2014, 09:15:39 PM
When adding an AU for the CSP, what information does Chase ask for?
Title: Re: Authorized users
Post by: lfas25 on November 11, 2014, 12:55:42 AM
When adding an AU for the CSP, what information does Chase ask for?

A name
Title: Re: Authorized users
Post by: Marco Polo on November 11, 2014, 08:54:39 AM
A name
Thanks.
Title: Re: Authorized users
Post by: zlt123 on November 11, 2014, 09:58:52 AM
how many AU can i add to a Amex gold Buisness card? the same as personel 5?
Title: Re: Authorized users
Post by: Novo on November 11, 2014, 10:06:27 AM
how many AU can i add to a Amex gold Buisness card? the same as personel 5?
99
Title: Re: Authorized users
Post by: zlt123 on November 11, 2014, 10:10:06 AM
really? i can add 99 Gold cards for free on a buisness BRG?
Title: Re: Authorized users
Post by: Marco Polo on November 11, 2014, 10:10:33 AM
really? i can add 99 Gold cards for free on a buisness PRG?
May not be the best idea, but you can.
Title: Re: Authorized users
Post by: lunatic on November 11, 2014, 10:13:39 AM
really? i can add 99 Gold cards for free on a buisness BRG?
Might earn you a financial review
Title: Re: Authorized users
Post by: zlt123 on November 11, 2014, 10:14:55 AM
So only PRG its 5, BRG is 99? I just want to cofirm beacuse i spoke to Amex yestarday & the rep told me its $50 for the first Gold AU, & the rest its free?!
Title: Re: Authorized users
Post by: TimT on November 11, 2014, 11:21:23 AM
So only PRG its 5, BRG is 99? I just want to cofirm beacuse i spoke to Amex yestarday & the rep told me its $50 for the first Gold AU, & the rest its free?!
The reps will tell you anything. Try the next rep or do it online.
Title: Re: Authorized users
Post by: Marco Polo on November 11, 2014, 11:22:26 AM
Anyone else get 3 AU cards for the BC?
Title: Re: Authorized users
Post by: efflpetzel on November 11, 2014, 11:59:09 AM
So only PRG its 5, BRG is 99? I just want to cofirm beacuse i spoke to Amex yestarday & the rep told me its $50 for the first Gold AU, & the rest its free?!
I had the same experience with them, when I told them I wasn't interested in paying for an AU card they offered me a green AU card with no fees
Title: Re: Authorized users
Post by: YG on November 11, 2014, 01:41:53 PM
You can get green AUs on a BRG for free.
Title: Re: Authorized users
Post by: DaveInLA on November 12, 2014, 07:40:51 PM
Are there any data points on the need to activate AU cards? I know Dan said that it is not necessary, but I am wondering if anybody else has experience about this.
Title: Re: Authorized users
Post by: Super Speed on November 12, 2014, 07:51:33 PM
Are there any data points on the need to activate AU cards? I know Dan said that it is not necessary, but I am wondering if anybody else has experience about this.
I would.
Title: Re: Authorized users
Post by: MeirS on November 12, 2014, 07:52:45 PM
I would.
I did
Title: Re: Authorized users
Post by: Redbull3 on November 12, 2014, 07:53:46 PM
Me too not messing around
Title: Re: Authorized users
Post by: Marco Polo on November 12, 2014, 08:28:08 PM
Are there any data points on the need to activate AU cards? I know Dan said that it is not necessary, but I am wondering if anybody else has experience about this.
Not that hard to activate. Can always chat the rep.
Title: Re: Authorized users
Post by: lfas25 on November 13, 2014, 12:27:39 AM
I would.

If I sync a card and get a confirmation email that its synced with twitter, does that mean its activated?
Title: Re: Authorized users
Post by: DaveInLA on November 13, 2014, 09:28:20 AM
I just took my AU card to the grocery store to buy a couple small things, and it worked even though I did not activate it.
Title: Re: Authorized users
Post by: TimT on November 13, 2014, 09:31:55 AM
I just took my AU card to the grocery store to buy a couple small things, and it worked even though I did not activate it.
Seems to be working for everyone. Question is has it NOT worked for someone ?
Title: Authorized users
Post by: YG on November 15, 2014, 08:34:25 PM
Is it standard that when you add AU on AmEx website it says "Pending verification you will receive card ....."?

I don't recall seeing the words "pending verification" when adding them recently but tonight it said that.

Did I just not notice those words in the past or did something change?
Title: Re: Authorized users
Post by: lfas25 on November 15, 2014, 08:35:37 PM
Is it standard that when you add AU on AmEx website it says "Pending verification you will receive card ....."?

I don't recall seeing the words "pending verification" when adding them recently but tonight it said that.

Did I just not notice those words in the past or did something change?

I've seen that as well, and the cards arrived
Title: Re: Authorized users
Post by: noturbizniss on November 15, 2014, 09:34:35 PM
Applied for like 30 au last sat night got them all today
Title: Re: Authorized users
Post by: TimT on November 16, 2014, 12:07:06 AM
Is it standard that when you add AU on AmEx website it says "Pending verification you will receive card ....."?

I don't recall seeing the words "pending verification" when adding them recently but tonight it said that.

Did I just not notice those words in the past or did something change?
Had that as well & got them
Title: Re: Authorized users
Post by: YG on November 16, 2014, 09:29:03 AM
Thanks!
Title: Re: Authorized users
Post by: Marco Polo on November 16, 2014, 10:08:25 AM
Applied for like 30 au last sat night got them all today
what do you mean by "got them today"?
Title: Re: Authorized users
Post by: noturbizniss on November 16, 2014, 10:10:48 AM
what do you mean by "got them today"?
In the mail saturday
Title: Re: Authorized users
Post by: jewdkoff on November 16, 2014, 12:08:17 PM
Can someone please explain how adding yourself as an AU works?
Do you call it in and not use a social or do it online?
What's the advantage to adding yourself?
If you do use a social, does it show up on you credit report as an AU accounts (which I don't like)?

Thanks!
Title: Re: Authorized users
Post by: DaveInLA on November 16, 2014, 01:36:07 PM
Just to be sure, everybody who applied for more than 3 AU are doing it over the phone, correct? I'm shocked that the CSR does not get more suspicious when you ask for that many AU cards.
Title: Re: Authorized users
Post by: kangarruu on November 16, 2014, 01:50:08 PM
Just to be sure, everybody who applied for more than 3 AU are doing it over the phone, correct? I'm shocked that the CSR does not get more suspicious when you ask for that many AU cards.

You can do it online too. Up to 5 at a time for most cards.
Title: Re: Authorized users
Post by: ah on November 16, 2014, 01:51:51 PM
Did all AU online, diff times though
Title: Re: Authorized users
Post by: DaveInLA on November 16, 2014, 01:58:52 PM

You can do it online too. Up to 5 at a time for most cards.

I thought I read something from Dan about maximum 3 AU when done online, but to 99 when we call in.
Title: Re: Authorized users
Post by: kangarruu on November 16, 2014, 02:03:08 PM
I thought I read something from Dan about maximum 3 AU when done online, but to 99 when we call in.

(http://i.imgur.com/mAO5Vck.png?1)
Title: Re: Authorized users
Post by: noturbizniss on November 16, 2014, 02:05:18 PM
I thought I read something from Dan about maximum 3 AU when done online, but to 99 when we call in.
Go try it yourself.
Title: Re: Authorized users
Post by: shmuel729 on November 16, 2014, 06:53:57 PM
If I add my wife as an AU for the United Explorer Card -or any other card for that matter- (and as such I receive 5,000 bonus miles), could she at a later date apply for her own United Explorer Card and receive the 30,000 bonus miles to er account? If yes, would she have to cancel her AU account before she applied for her own?
Title: Re: Authorized users
Post by: zh cohen on November 16, 2014, 06:55:35 PM
If I add my wife as an AU for the United Explorer Card -or any other card for that matter- (and as such I receive 5,000 bonus miles), could she at a later date apply for her own United Explorer Card and receive the 30,000 bonus miles to er account? If yes, would she have to cancel her AU account before she applied for her own?

Yes

No
Title: Re: Authorized users
Post by: TimT on November 16, 2014, 06:55:50 PM
If I add my wife as an AU for the United Explorer Card -or any other card for that matter- (and as such I receive 5,000 bonus miles), could she at a later date apply for her own United Explorer Card and receive the 30,000 bonus miles to er account? If yes, would she have to cancel her AU account before she applied for her own?
She could get her own.
Title: Re: Authorized users
Post by: shmuel729 on November 16, 2014, 07:32:48 PM
After she applies for her own, could I add myself as an AU of her card although I already have my own, (and she would receive 5,000 bonus miles)?
Title: Re: Authorized users
Post by: zh cohen on November 16, 2014, 07:35:15 PM
After she applies for her own, could I add myself as an AU of her card although I already have my own, (and she would receive 5,000 bonus miles)?

Yes
Title: Re: Authorized users
Post by: shmuel729 on November 16, 2014, 07:38:41 PM
Is there any rule of moderation? I.e. If 5 family members enroll each other as AU of each others cards, which would mean they would all have 5 of the same card (4 as AU and one as primary)?
Title: Re: Authorized users
Post by: TimT on November 16, 2014, 07:40:54 PM
Is there any rule of moderation? I.e. If 5 family members enroll each other as AU of each others cards, which would mean they would all have 5 of the same card (4 as AU and one as primary)?
If you add someone as an au they could still get their own card.
Title: Authorized users
Post by: YG on November 16, 2014, 09:01:00 PM
Are there any data points on the need to activate AU cards? I know Dan said that it is not necessary, but I am wondering if anybody else has experience about this.
As far as my experience just went, serve subaccount cards could not be registered for SBS until they were activated.
Worked fine once activated.

Remember, when activating serve sub account cards you must sign in with the email address assigned to the sub account not the main account. You can't activate subs count when signed in to main account.
Title: Re: Authorized users
Post by: smurf on November 16, 2014, 09:56:34 PM
As far as my experience just went, serve subaccount cards could not be registered for SBS until they were activated.
Worked fine once activated.

Remember, when activating serve sub account cards you must sign in with the email address assigned to the sub account not the main account. You can't activate subs count when signed in to main account.
just learned all this the hard way.
Is it just me or are all recent apps for au's "pending verification"?
Title: Re: Authorized users
Post by: YG on November 16, 2014, 10:05:33 PM

Is it just me or are all recent apps for au's "pending verification"?

See up thread.
I just asked the same thing last night. Several people responded they've received cards without issues after the "pending verification" message.
Title: Re: Authorized users
Post by: lfas25 on November 16, 2014, 10:07:04 PM
just learned all this the hard way.
Is it just me or are all recent apps for au's "pending verification"?

See up thread.
I just asked the same thing last night. Several people responded they've received cards without issues after the "pending verification" message.

Affirmative, this has been the case. All my cards that got that message arrived with no issues.
Title: Re: Authorized users
Post by: noturbizniss on November 18, 2014, 08:47:55 AM
I just dug down into my Experian Report, and for open Amex cards, I am an AU on 8 cards.  On my wife's Amex account, I am an AU on 2 personal and 3 business cards. On my Amex account I am an AU on 2 personal and 3 business, although the AU on 1 personal is from a few days ago. Regardless of how it works, I am an AU more than 1 time and more than 1 card, but it is not showing up a crazy amount of times. So it might show on your report, but not more than 1x per card account.
Title: Re: Authorized users
Post by: kangarruu on November 18, 2014, 10:23:29 AM
I just dug down into my Experian Report, and for open Amex cards, I am an AU on 8 cards.  On my wife's Amex account, I am an AU on 2 personal and 3 business cards. On my Amex account I am an AU on 2 personal and 3 business, although the AU on 1 personal is from a few days ago. Regardless of how it works, I am an AU more than 1 time and more than 1 card, but it is not showing up a crazy amount of times. So it might show on your report, but not more than 1x per card account.

Thanks for the data point. I'll check my report later too.
Title: Re: Authorized users
Post by: cozmohoot on November 18, 2014, 02:10:08 PM
As far as my experience just went, serve subaccount cards could not be registered for SBS until they were activated.
Worked fine once activated.

Remember, when activating serve sub account cards you must sign in with the email address assigned to the sub account not the main account. You can't activate subs count when signed in to main account.
just learned all this the hard way.
Is it just me or are all recent apps for au's "pending verification"?
i dont remember the emails..hopefully they can help with that
Title: Re: Authorized users
Post by: YG on November 18, 2014, 08:04:16 PM
Were they real email addresses / variations of a gmail account or just fabricated out of the blue?

If they are variations of a gmail address the main address should have relieved ails saying that a sun account has been opened for you, and at the top of the email you should be able to see the variation of the address it was sent to.
Title: Re: Authorized users
Post by: cozmohoot on November 18, 2014, 08:37:31 PM
They are really Gmail with a period in between. So I added money to subaccounts and that generated an email which allowed me to login and activate.
Title: Re: Authorized users
Post by: etech0 on November 20, 2014, 11:56:57 PM
Looking for compelling arguments to convince an under-18 relative to let me add her to my amex cards. Any bright ideas?
Title: Re: Authorized users
Post by: Marco Polo on November 20, 2014, 11:58:35 PM
Looking for compelling arguments to convince an under-18 relative to let me add her to my amex cards. Any bright ideas?
You'll buy her ...
Title: Re: Authorized users
Post by: Super Speed on November 21, 2014, 12:01:33 AM
Looking for compelling arguments to convince an under-18 relative to let me add her to my amex cards. Any bright ideas?
Why not add yourself again?
Title: Re: Authorized users
Post by: TimT on November 21, 2014, 12:05:26 AM
Looking for compelling arguments to convince an under-18 relative to let me add her to my amex cards. Any bright ideas?
Time for her to start her credit history
Title: Re: Authorized users
Post by: YG on November 22, 2014, 08:44:12 PM
I'm setting up secondary online accounts for AU cards I just made l'chovod SBS, and when I entered the card # and CCV for one of the cards it says "we're sorry we are unable to activate your card at this time. Please call the 1800 # referenced on the sticker on the front of your card for activation".

I made two cards in my name and two in my wife's name on each account.

Anything to be concerned about?
Title: Re: Authorized users
Post by: TimT on November 22, 2014, 08:47:53 PM
I'm setting up secondary online accounts for AU cards I just made l'chovod SBS, and when I entered the card # and CCV for one of the cards it says "we're sorry we are unable to activate your card at this time. Please call the 1800 # referenced on the sticker on the front of your card for activation".

I made two cards in my name and two in my wife's name on each account.

Anything to be concerned about?
Only serve & bluebird au's need to be activated. (If you wanna be real safe try swiping it before SBS.)
Title: Authorized users
Post by: YG on November 22, 2014, 08:55:18 PM
I know, but I want to have online to check maximize offers. I'm not activating them for SBS, I made then for SBS, but once I made them I might as well maximize the benefit.  They were made with real Bday and SSN ...
Title: Re: Authorized users
Post by: TimT on November 22, 2014, 08:58:26 PM
I know, but I want to have online to check maximize offers. I'm not activating them for SBS, I made then for SBS, but once I made them I might as well maximize the benefit.  They were made with real Bday and SSN ...
So call & activate
Title: Re: Authorized users
Post by: YG on November 22, 2014, 08:59:42 PM
Just want to confirm that the inability to activate online is not a cause for concern. Never had it before.
Title: Re: Authorized users
Post by: TimT on November 22, 2014, 09:00:36 PM
Just want to confirm that the inability to activate online is not a cause for concern. Never had it before.
Had it several times. Sometimes when I would call it would say its already been activated.
Title: Re: Authorized users
Post by: YG on November 22, 2014, 09:01:14 PM
K. Thanks.
Title: Re: Authorized users
Post by: mb1 on November 23, 2014, 10:40:15 PM
What is the expiration dates everyone is getting for new amex cards added this month?
If everyone is getting the same date then it would make it a lot easier to use before actually receiving the card.
Title: Re: Authorized users
Post by: VacationLover on November 23, 2014, 11:08:17 PM
What is the expiration dates everyone is getting for new amex cards added this month?
If everyone is getting the same date then it would make it a lot easier to use before actually receiving the card.
Amex cards usually expire exactly 4 years from date opened, so the cards added this month should expire 11/18
Title: Re: Authorized users
Post by: noturbizniss on November 23, 2014, 11:20:05 PM
Amex cards usually expire exactly 4 years from date opened, so the cards added this month should expire 11/18
+1
Title: Re: Authorized users
Post by: TimT on November 23, 2014, 11:23:33 PM
Amex cards usually expire exactly 4 years from date opened, so the cards added this month should expire 11/18
Mine all say 11/19
Title: Re: Authorized users
Post by: VacationLover on November 23, 2014, 11:34:32 PM
Mine all say 11/19
Business card?
Title: Re: Authorized users
Post by: TimT on November 23, 2014, 11:41:59 PM
Business card?
Business & personal
Title: Re: Authorized users
Post by: VacationLover on November 23, 2014, 11:46:38 PM
Business & personal
That's interesting
Title: Re: Authorized users
Post by: TimT on November 23, 2014, 11:50:12 PM
That's interesting
Am I the only one ? The cards I ordered last month say 10/19 & from this month says 11/19.
Title: Re: Authorized users
Post by: Marco Polo on November 24, 2014, 12:16:59 AM
Am I the only one ? The cards I ordered last month say 10/19 & from this month says 11/19.
Same on my cards.
Title: Re: Authorized users
Post by: Super Speed on November 24, 2014, 12:22:15 AM
Same on my cards.
Same.
Title: Re: Authorized users
Post by: Gman9855 on December 02, 2014, 12:04:14 PM
i was just added yesterday as an AU to my mom's CC in hopes of improving my 'limited credit history' which has been preventing me from getting good cards like chase SP.  how long will it take until it shows up on my credit report that i'm an AU?  i'm sure this question has been asked before but i'm not finding it anywhere on the forums, so a quick answer would be nice, thanks!
Title: Re: Authorized users
Post by: noturbizniss on December 02, 2014, 02:17:13 PM
i was just added yesterday as an AU to my mom's CC in hopes of improving my 'limited credit history' which has been preventing me from getting good cards like chase SP.  how long will it take until it shows up on my credit report that i'm an AU?  i'm sure this question has been asked before but i'm not finding it anywhere on the forums, so a quick answer would be nice, thanks!
Likely the next time the statement closes
Title: Re: Authorized users
Post by: D93 on December 02, 2014, 03:59:53 PM
There is a discussion about adding AU's to build their credit, so I figured I'd post this here.
I added a friend onto an Amex personal card of mine to build up his credit (he has no previous credit). After 6 months of doing everything properly (low utilization ect), he applied for a Chase Freedom yesterday and was denied, recon said that they see he is only an AU on a card and will not budge.
Title: Re: Authorized users
Post by: Boruch999 on December 03, 2014, 07:15:13 AM
Bummer.  Tell him to open a low end Capital1.  There's one with a $19AF waived for first year.
Title: Re: Authorized users
Post by: D93 on December 03, 2014, 07:28:24 AM
Bummer.  Tell him to open a low end Capital1.  There's one with a $19AF waived for first year.
he's going for the Wells Fargo student card. It's free for life.
Title: Re: Authorized users
Post by: lifetimedeals on December 03, 2014, 10:09:41 AM
There is a discussion about adding AU's to build their credit, so I figured I'd post this here.
I added a friend onto an Amex personal card of mine to build up his credit (he has no previous credit). After 6 months of doing everything properly (low utilization ect), he applied for a Chase Freedom yesterday and was denied, recon said that they see he is only an AU on a card and will not budge.
Wonder if he was an additional user on someone elses freedom card if that would have helped more, maybe chase doesn't look much at Amex.
Title: Re: Authorized users
Post by: YG on December 03, 2014, 02:21:06 PM
Officially they don't consider AU at all because the AU is not the party primarily responsible for paying the bill. Been told that many times during recon back in the day, and it has been documented here on DDF a a couple of years back, that this is the one thing that HUCA can't usually help with with chase.
I did however get very lucky b"H and after many HUCAs I decided I'd try one more final time and I happened to get lucky with a helpful new-sounding young lady who did approve my wife based on her history as an AU on my card, of course after I assured her that's wife also shares the responsibility of paying the bill on my account (I was in Kollel after all).
Title: Re: Authorized users
Post by: Boruch999 on December 03, 2014, 06:35:57 PM
Adding yourself as an AU on an Amex, on the phone or online?
Title: Re: Authorized users
Post by: YG on December 03, 2014, 07:48:00 PM
I did it online...
Title: Re: Authorized users
Post by: noturbizniss on December 03, 2014, 11:05:09 PM
Adding yourself as an AU on an Amex, on the phone or online?
Either one. Many reports of phone working no problem. Used for expediting. Also, I haven't seen a single report of phone being a problem
Title: Re: Authorized users
Post by: benjie1305 on December 08, 2014, 12:39:56 PM
So one thing I am not fully able to weigh :

Especially in regards to AMEX where a big goal is to plan the year around SBS to make sure to have enough AU's to really get a big chunk out of SBS.  Dan himself writes:

"-Adding too many additional users.
This is a known trigger for an American Express financial review."

Now, I know that "what is too many" is the big question but even if u have no more then 10 per card (many many have much more :)) I assume that in regards to this AMEX looks at the entire accoutn activity. And if I have 6 cards with 10 each wont 60 AUs be more then enough to trigger a F/R?

Just trying to see how ppl with 100-200 AUs deal with this. What experience they have had with this and if it actually had a bad affect. (close account etc).

Thanks
Title: Re: Authorized users
Post by: TimT on December 08, 2014, 12:43:42 PM
So one thing I am not fully able to weigh :

Especially in regards to AMEX where a big goal is to plan the year around SBS to make sure to have enough AU's to really get a big chunk out of SBS.  Dan himself writes:

"-Adding too many additional users.
This is a known trigger for an American Express financial review."

Now, I know that "what is too many" is the big question but even if u have no more then 10 per card (many many have much more :)) I assume that in regards to this AMEX looks at the entire accoutn activity. And if I have 6 cards with 10 each wont 60 AUs be more then enough to trigger a F/R?

Just trying to see how ppl with 100-200 AUs deal with this. What experience they have had with this and if it actually had a bad affect. (close account etc).

Thanks
60 AU's divided over 6 accounts should be safer than 60 on 1 account.
Title: Re: Authorized users
Post by: benjie1305 on December 08, 2014, 12:46:22 PM
60 AU's divided over 6 accounts should be safer than 60 on 1 account.

I understand and agree on the "safer" but that doesnt mean its safe. Which is why I wanted to hear what experiences ppl have made. In the end of the day im wondering if they just say "Account for Mr X : 7 cards(!), 130 AUs (!!) > Thats a F/R.

I want the 130 w/out the F/R but it seems that according to what Dan suggests that that isnt so simple with AMEX.
Title: Re: Authorized users
Post by: MeirS on December 08, 2014, 02:57:03 PM
So one thing I am not fully able to weigh :

Especially in regards to AMEX where a big goal is to plan the year around SBS to make sure to have enough AU's to really get a big chunk out of SBS.  Dan himself writes:

"-Adding too many additional users.
This is a known trigger for an American Express financial review."

Now, I know that "what is too many" is the big question but even if u have no more then 10 per card (many many have much more :)) I assume that in regards to this AMEX looks at the entire accoutn activity. And if I have 6 cards with 10 each wont 60 AUs be more then enough to trigger a F/R?

Just trying to see how ppl with 100-200 AUs deal with this. What experience they have had with this and if it actually had a bad affect. (close account etc).

Thanks
People here have made hundreds of AUs apparently. I think that in the hype of things they were ready to take the risk. I'm waiting it out to see how many of them will be FRed in the coming weeks. By next year we should have much clearer guidelines as to how much and how often is too much or too often.
Title: Re: Authorized users
Post by: noturbizniss on December 08, 2014, 03:28:19 PM
People here have made hundreds of AUs apparently. I think that in the hype of things they were ready to take the risk. I'm waiting it out to see how many of them will be FRed in the coming weeks. By next year we should have much clearer guidelines as to how much and how often is too much or too often.
Cuz this is the first year people added so many aus? Last year it was one per card?
Title: Re: Authorized users
Post by: MeirS on December 08, 2014, 03:32:10 PM


Cuz this is the first year people added so many aus?

Correct

Last year it was one per card?
Incorrect. I didn't make such a claim.
Title: Re: Authorized users
Post by: noturbizniss on December 08, 2014, 03:45:50 PM



Correct


-1
Its not
Title: Re: Authorized users
Post by: rabshi on December 11, 2014, 03:02:42 AM
A couple of days ago I got my Barclays Arrival Plus. I tried adding an AU online, but didn't allow me. So I wrote them a SM. This is the weird reply I got from them:

Quote
Dear **** ***** :

Thank you for contacting us regarding your Barclaycard Arrival Plus World Elite MasterCard. We can certainly address your request for additional user on your account.

We understand your concern, however, in order to send additional card, we must add **** ***** as an authorized user on your account. Please note that you will be financially responsible for transactions made by authorized users on the account. The account will be reported on authorized user's credit report, which will specify that they are an authorized user on your account.

The authorized user will have the following capabilities:

- Request for Convenience Checks
- Request a new card for themselves only (card is sent to the address on file)
- Activate cards
- Request balance transfers
- Remove themselves from the account (they cannot close the account)
- Make payments from any external payment account on file

Authorized users are not able to do the following:
- Close accounts
- Reinstate closed accounts
- Add other Authorized Users to an account
- Request increases or decreases to the credit line
- Request credit balance refunds
- Register for website access

Should you wish to proceed in adding **** ***** as an authorized user on your account, we ask that you provide us the authorized user's date of birth. We hope you find this information helpful.

If you have any other questions and concerns, please reply to this message.

Sincerely,

Customer Care

Was anyone ever requested to provide them with DOB of AU?

Title: Re: Authorized users
Post by: Emkay on December 11, 2014, 04:46:27 AM

A couple of days ago I got my Barclays Arrival Plus. I tried adding an AU online, but didn't allow me. So I wrote them a SM. This is the weird reply I got from them:

Was anyone ever requested to provide them with DOB of AU?
every time
Title: Re: Authorized users
Post by: rabshi on December 11, 2014, 05:42:36 AM
every time

Now I tried again online, and didn't have to provide DOB. Interesting.


Title: Re: Authorized users
Post by: Matovu on December 11, 2014, 06:07:38 AM
How do i set up a profile online for AU ?
They are already activated
Title: Re: Authorized users
Post by: ChaimMoskowitz on December 11, 2014, 07:34:31 AM
Cuz this is the first year people added so many aus? Last year it was one per card?
Wasn't this the first year it was made public you can add yourself 100 times?
Title: Re: Authorized users
Post by: TimT on December 11, 2014, 07:44:03 AM
Wasn't this the first year it was made public you can add yourself 100 times?
Many people knew about this previously & people had piles of cards the last few years too.
Title: Re: Authorized users
Post by: ChaimMoskowitz on December 11, 2014, 07:45:22 AM
Many people knew about this previously & people had piles of cards the last few years too.
That is not what I asked.
Title: Re: Authorized users
Post by: TimT on December 11, 2014, 08:52:51 AM
That is not what I asked.
This might be the first year that he mentioned "yourself" but other years he said you could add 99 AU's per account without needing ssn.
Title: Re: Authorized users
Post by: Boruch999 on December 21, 2014, 09:35:00 AM
Amex AUs:

When creating separate online accounts for AUs (for offers purposes) it asks for the last 4 of the social.  Is there a way around this for AUs that you have no social for (because they don't exist, or any other reason?)

Can you create two separate accounts for yourself, if you made yourself an AU?

And I know this has been asked before but I haven't seen an answer, when you are an AU for yourself, does it get reported to the CBs as two separate accounts?
Title: Re: Authorized users
Post by: Jardins on December 25, 2014, 03:22:34 PM
How can I remove AU's from my CR?
Is any action necessary after closing the AU card? (Like disputing the AU with the credit bureau's) Very unfamiliar with that, I will appreciate some advice.
Thanks.
Title: Re: Authorized users
Post by: Jardins on December 27, 2014, 08:33:21 PM
How can I remove AU's from my CR?
Is any action necessary after closing the AU card? (Like disputing the AU with the credit bureau's) Very unfamiliar with that, I will appreciate some advice.
Thanks.
Title: Re: Authorized users
Post by: efflpetzel on January 09, 2015, 12:37:06 PM
how long does it take for an amex AU to reflect online
Title: Re: Authorized users
Post by: benjie1305 on January 10, 2015, 07:31:49 PM
Do we have any thread or can it be added to the Wiki:

Looking for overall info on AU's that give you a bonus. Example: 5k UR when adding CSP AU after 1st purchase.

Any other points/bonuses that come with other cards when adding AUs?
Title: Re: Authorized users
Post by: lyla on January 10, 2015, 07:34:05 PM
I am getting inundated with letters from amex requesting ss#s from au cards. Thet are sending the same letters multiple times. I think this time they are serious!
Title: Re: Authorized users
Post by: TimT on January 10, 2015, 07:35:46 PM
I am getting inundated with letters from amex requesting ss#s from au cards. Thet are sending the same letters multiple times. I think this time they are serious!
How many times have they sent for each au ?
Title: Re: Authorized users
Post by: lyla on January 10, 2015, 07:43:11 PM
How many times have they sent for each au ?
3x on my gold card. The letter lists the 4 aus I added this year before sbs.
Title: Re: Authorized users
Post by: nobiggy on January 10, 2015, 07:49:31 PM
I am getting inundated with letters from amex requesting ss#s from au cards. Thet are sending the same letters multiple times. I think this time they are serious!
+1
I got an email.
Title: Re: Authorized users
Post by: noturbizniss on January 10, 2015, 08:57:56 PM
+1
I got an email.

3x on my gold card. The letter lists the 4 aus I added this year before sbs.
If your used fake names then cancel them all and start adding real people, i.e. yourself, multiple times
Title: Re: Authorized users
Post by: nobiggy on January 10, 2015, 09:11:21 PM
If your used fake names then cancel them all and start adding real people, i.e. yourself, multiple times

Is it legal?
How will it show up on my credit report? (chase cares about CL from AU's)
Title: Re: Authorized users
Post by: noturbizniss on January 10, 2015, 09:14:06 PM
Is it legal?
How will it show up on my credit report? (chase cares about CL from AU's)
Of course is legal. Amex wouldn't do it if it wasn't. Besides what could be illegal about it? I have nutshell like 90 tones on mine and my wife's accounts. Does not show up multiple times per account
Title: Re: Authorized users
Post by: TimT on January 10, 2015, 09:16:52 PM
If your used fake names then cancel them all and start adding real people, i.e. yourself, multiple times
Do you think amex will go further than sending letters ?
Title: Re: Authorized users
Post by: avromie7 on January 11, 2015, 01:46:56 AM
Do we have any thread or can it be added to the Wiki:

Looking for overall info on AU's that give you a bonus. Example: 5k UR when adding CSP AU after 1st purchase.

Any other points/bonuses that come with other cards when adding AUs?
2500 UR for freedom
Title: Re: Authorized users
Post by: Yaalili on January 11, 2015, 02:36:30 AM
2500 UR for freedom

+5k for UA.
Title: Re: Authorized users
Post by: benjie1305 on January 11, 2015, 07:56:45 AM
+5k for UA.

2500 UR for freedom

+5k for SP.

Maybe we can somehow start accumulating this in the Wiki? Anyone that can update that?
Title: Re: Authorized users
Post by: mofreed on January 11, 2015, 10:21:04 AM
my credit score is 753 on credit karma bec i have 40 percent utilization on my parents credit card which is a year and half old and 0 percent utilization on a card of mine which i opened a few months ago so i have an average of 19 percent. if i remove myself as an authorized user from the card that has 40 percent will it now b that i dont have that age of a year and a half or will it still b that age and i can lower the utilization? and or should i try to add myself to an older card which has better utilization then remove myself as an au on the 40 percent card? point is im confused.......
Title: Re: Authorized users
Post by: jl6647 on January 11, 2015, 10:30:20 AM
my credit score is 753 on credit karma bec i have 40 percent utilization on my parents credit card which is a year and half old and 0 percent utilization on a card of mine which i opened a few months ago so i have an average of 19 percent. if i remove myself as an authorized user from the card that has 40 percent will it now b that i dont have that age of a year and a half or will it still b that age and i can lower the utilization? and or should i try to add myself to an older card which has better utilization then remove myself as an au on the 40 percent card? point is im confused.......
no need to cross-post
Title: Re: Authorized users
Post by: mofreed on January 11, 2015, 10:32:53 AM
sorry wasnt sure where it belonged but do u have an answer? in short if i remove myself as an au from the 40 percent card will it no longer show on my report but will i still keep the average age?
Title: Re: Authorized users
Post by: jl6647 on January 11, 2015, 10:36:48 AM
sorry wasnt sure where it belonged but do u have an answer? in short if i remove myself as an au from the 40 percent card will it no longer show on my report but will i still keep the average age?
for the same reason the 40 percent will be gone so will the avg age
Title: Re: Authorized users
Post by: mofreed on January 11, 2015, 11:03:03 AM
aha so the wise thing to do would b to first add myself as an au to a much older card with better utilization then take myself off as an au from the 40% year and a half old one?
Title: Re: Authorized users
Post by: avromie7 on January 11, 2015, 11:20:50 AM
aha so the wise thing to do would b to first add myself as an au to a much older card with better utilization then take myself off as an au from the 40% year and a half old one?
Adding yourself to an old card will not help you it only helps from when you were added
Title: Re: Authorized users
Post by: mofreed on January 11, 2015, 11:27:49 AM
so the whole point of au is to have credit history ex payments etc? it doesnt increase the avrg age?
Title: Re: Authorized users
Post by: avromie7 on January 11, 2015, 11:32:21 AM
so the whole point of au is to have credit history ex payments etc? it doesnt increase the avrg age?
If say you are a 15 year old bocher in yeshiva without a credit card and you are added as an AU and 4 years later when you turn 19 you decide to get a credit card then it will help you as if you had your own card for 4 years
Title: Re: Authorized users
Post by: mofreed on January 11, 2015, 11:34:20 AM
got it but would it b worth it to also add myself as an au on a card with better utilization or no point? also utilization makes up 30% while avrg age only 15%
Title: Re: Authorized users
Post by: avromie7 on January 11, 2015, 11:37:03 AM
got it but would it b worth it to also add myself as an au on a card with better utilization or no point? also utilization makes up 30% while avrg age only 15%
Although average age only makes up a small percentage it is very important when applying for new credit
Title: Re: Authorized users
Post by: mofreed on January 11, 2015, 11:37:58 AM
so should i add myself to more cards?
Title: Re: Authorized users
Post by: avromie7 on January 11, 2015, 11:40:12 AM
so should i add myself to more cards?
In the long run it can help
Title: Re: Authorized users
Post by: mofreed on January 11, 2015, 11:44:24 AM
ok thx
Title: Re: Authorized users
Post by: lyla on January 11, 2015, 12:46:20 PM
If your used fake names then cancel them all and start adding real people, i.e. yourself, multiple times
i did not use fake names. These were my cousin's kids all legit and over 16.
Title: Re: Authorized users
Post by: TimT on January 11, 2015, 12:53:50 PM
i did not use fake names. These were my cousin's kids all legit and over 16.
Then what's the issue ? Just add their ssn
Title: Re: Authorized users
Post by: @Yehuda on January 13, 2015, 10:01:44 AM
If I add an AU to a business card (AMEX in case it matters), and I don't give over the person's SSN, then there's no way it would show up on their CR right? Especially since it's a business card in the first place, right?
Title: Re: Authorized users
Post by: Super Speed on January 13, 2015, 10:02:33 AM
If I add an AU to a business card (AMEX in case it matters), and I don't give over the person's SSN, then there's no way it would show up on their CR right? Especially since it's a business card in the first place, right?
Even with SS# it won't show up, it's a business card.
Title: Re: Authorized users
Post by: nobiggy on January 13, 2015, 10:15:27 AM
Even with SS# it won't show up, it's a business card.
If I add a family member as an AU on my Business cc will it help their score and the like?
Title: Re: Authorized users
Post by: @Yehuda on January 13, 2015, 10:32:14 AM
Even with SS# it won't show up, it's a business card.
Great that's what I thought. Thanks
Title: Re: Authorized users
Post by: Super Speed on January 13, 2015, 12:11:13 PM
If I add a family member as an AU on my Business cc will it help their score and the like?
I don't believe so.
Title: Re: Authorized users
Post by: AI-TRAVEL on February 09, 2015, 04:27:08 PM
Here's the deal: My wife was a AU on somebody's account who was delinquent and ended up settling for less. Now it's on her credit report, only TU and EQ, can I dispute that?
Title: Re: Authorized users
Post by: raphy781 on February 09, 2015, 06:14:14 PM
Here's the deal: My wife was a AU on somebody's account who was delinquent and ended up settling for less. Now it's on her credit report, only TU and EQ, can I dispute that?
You should be able to. She wasn't financially responsible for the account.
Title: Re: Authorized users
Post by: AI-TRAVEL on February 09, 2015, 06:20:20 PM
You should be able to. She wasn't financially responsible for the account.
Thanks.
Title: Re: Authorized users
Post by: Marco Polo on February 09, 2015, 10:29:32 PM
Here's the deal: My wife was a AU on somebody's account who was delinquent and ended up settling for less. Now it's on her credit report, only TU and EQ, can I dispute that?
Isn't this the whole thing with being added as an AU to an account. You can get the benefits, but if they are delinquent, it will stay on you as well.
Title: Re: Authorized users
Post by: AnonymousUser on February 09, 2015, 11:22:59 PM
Isn't this the whole thing with being added as an AU to an account. You can get the benefits, but if they are delinquent, it will stay on you as well.
That's what I thought as well, but I can't remember where I read it.
Title: Re: Authorized users
Post by: Super Speed on February 10, 2015, 08:51:55 AM
Isn't this the whole thing with being added as an AU to an account. You can get the benefits, but if they are delinquent, it will stay on you as well.
You can dispute it, I know more than one person who had it removed from their CR.
Title: Re: Authorized users
Post by: benjie1305 on February 10, 2015, 09:21:13 AM
Isn't this the whole thing with being added as an AU to an account. You can get the benefits, but if they are delinquent, it will stay on you as well.

That's what I thought as well, but I can't remember where I read it.

You can dispute it, I know more than one person who had it removed from their CR.

I guess you can try it but after reading up about it online again I don't know if it will work. It seems like that is kind of what you sign up for when you become an AU. I guess the approach would need to be to dispute being an AU in the first place. Like you she was added without her knowledge.

This is from creditkarma:

"..credit bureaus treat these cards as if they were your own."

"..Essentially, the primary account holder's actions look like your own. If they miss a payment on this credit card, you miss a payment. If they rack up an extremely high credit card utilization, so do you. This can kill your credit score, the exact opposite of what you want."
Title: Re: Authorized users
Post by: Tom Brady on February 10, 2015, 02:26:24 PM
Just so you guys know as far as backdating accounts. About 2 and a half years ago my father added me as an au on his Yale card from FNB Omaha and it shows up on my credit report that the account was opened in 1998 (when he opened it) so it helps my average credit age. So most of you probably don't know somebody who has a card from FNB Omaha, but if you do and their account is old, you might want them to add you as an au and see if you get backdated.
Title: Re: Authorized users
Post by: Marco Polo on February 10, 2015, 02:27:26 PM
Just so you guys know as far as backdating accounts. About 2 and a half years ago my father added me as an au on his Yale card from FNB Omaha and it shows up on my credit report that the account was opened in 1998 (when he opened it) so it helps my average credit age. So most of you probably don't know somebody who has a card from FNB Omaha, but if you do and their account is old, you might want them to add you as an au and see if you get backdated.
I don't think it is for a specific card, it used to work on any card. Very very YMMV if someone were to try and do that now.
Title: Re: Authorized users
Post by: Tom Brady on February 10, 2015, 02:34:20 PM
I don't think it is for a specific card, it used to work on any card. Very very YMMV if someone were to try and do that now.
That's too bad if it doesn't work anymore😟
Maybe I'll ask my dad to add somebody else and see what it does.
Title: Re: Authorized users
Post by: Marco Polo on February 10, 2015, 02:36:19 PM
That's too bad if it doesn't work anymore😟
Maybe I'll ask my dad to add somebody else and see what it does.
Can't hurt to try, but seems like for some time already they are not backdating.
Title: Re: Authorized users
Post by: Tom Brady on February 10, 2015, 02:38:26 PM
Can't hurt to try, but seems like for some time already they are not backdating.
So as far as you know right now is there not any way to "manufacture" account age?
Title: Re: Authorized users
Post by: Marco Polo on February 10, 2015, 02:38:49 PM
So as far as you know right now is there not any way to "manufacture" account age?
Personally, yes.
Title: Re: Authorized users
Post by: Emkay on February 10, 2015, 02:39:07 PM
I don't think it is for a specific card, it used to work on any card. Very very YMMV if someone were to try and do that now.
I'm not arguing, just adding in.
Most of the ymmv is getting them to backdate it (which they can) if they do it then it helps
Title: Re: Authorized users
Post by: Marco Polo on February 10, 2015, 02:39:59 PM
I'm not arguing, just adding in.
Most of the ymmv is getting them to backdate it (which they can) if they do it then it helps
That is the whole issue. Once it is done, it should automatically update your CR.
Title: Re: Authorized users
Post by: Tom Brady on February 10, 2015, 02:44:56 PM
I'm not arguing, just adding in.
Most of the ymmv is getting them to backdate it (which they can) if they do it then it helps
As far is that is concerned, there is no way my father asked them to backdate my account. So they did the backdating on their own. But I guess banks pretty much stopped doing that now.
Title: Re: Authorized users
Post by: Emkay on February 10, 2015, 03:33:51 PM
As far is that is concerned, there is no way my father asked them to backdate my account. So they did the backdating on their own. But I guess banks pretty much stopped doing that now.
Used to be more automatic
Title: Re: Authorized users
Post by: benjie1305 on February 12, 2015, 01:56:44 PM
Have a general question. I know that many ppl will make themselves an AU (for amex SBS specifically) of their own card. I also know that CC's will allow bc ppl seem to have many AU's of themselves. But has anyone ever gotten the question of why you'd want to do this from the CC? Why would you need to get an AU on yourself? And if you already have one, why multiple of yourself?

Happy to learn more about how ppl that do this approach such a question (if even confronted by it).
Title: Re: Authorized users
Post by: TimT on February 12, 2015, 01:59:53 PM
Have a general question. I know that many ppl will make themselves an AU (for amex SBS specifically) of their own card. I also know that CC's will allow bc ppl seem to have many AU's of themselves. But has anyone ever gotten the question of why you'd want to do this from the CC? Why would you need to get an AU on yourself? And if you already have one, why multiple of yourself?

Happy to learn more about how ppl that do this approach such a question (if even confronted by it).
To keep track of different spending. (I've never been asked)
Title: Re: Authorized users
Post by: avromie7 on February 12, 2015, 02:21:54 PM
To keep track of different spending. (I've never been asked)
do you ask for an AU named "TimT" or just ask for an AU "with my name"
Title: Re: Authorized users
Post by: Emkay on February 12, 2015, 02:29:04 PM
Have a general question. I know that many ppl will make themselves an AU (for amex SBS specifically) of their own card. I also know that CC's will allow bc ppl seem to have many AU's of themselves. But has anyone ever gotten the question of why you'd want to do this from the CC? Why would you need to get an AU on yourself? And if you already have one, why multiple of yourself?

Happy to learn more about how ppl that do this approach such a question (if even confronted by it).
I have never been asked and I have added many, and I mean MANY.
I have even been told by them that I can add myself
Title: Re: Authorized users
Post by: TimT on February 12, 2015, 02:30:40 PM
do you ask for an AU named "TimT" or just ask for an AU "with my name"
All real people with real names.
Title: Re: Authorized users
Post by: avromie7 on February 12, 2015, 02:33:25 PM
All real people with real names.
I understand it's a real name but do you make it as if it's for someone else with the same name and DOB or do you not bother and just say "I want an AU in my name"
sorry i didn't explain well before i hope now is better
Title: Re: Authorized users
Post by: benjie1305 on February 12, 2015, 02:34:21 PM
I have never been asked and I have added many, and I mean MANY.
I have even been told by them that I can add myself

It seems interesting to me that they view this as seamless and logical. Don't get me wrong, I am happy about the power I get through that "avenue" but am strangely struck that they view this as a normal process.
Title: Re: Authorized users
Post by: Emkay on February 12, 2015, 02:35:05 PM
I understand it's a real name but do you make it as if it's for someone else with the same name and DOB or do you not bother and just say "I want an AU in my name"
sorry i didn't explain well before i hope now is better
Why not just do it online?
Title: Re: Authorized users
Post by: benjie1305 on February 12, 2015, 02:36:15 PM
I understand it's a real name but do you make it as if it's for someone else with the same name and DOB or do you not bother and just say "I want an AU in my name"
sorry i didn't explain well before i hope now is better

To keep track of different spending. (I've never been asked)

If that is his reason, it wouldn't seem to be something he would trick or lie to them about. If its valid I would also just say that I, card holder XX, need an AU in my name.
Title: Re: Authorized users
Post by: avromie7 on February 12, 2015, 02:37:36 PM
Why not just do it online?
i've never done it yet and just want to understand what happens but that sounds like a great idea
Title: Re: Authorized users
Post by: TimT on February 12, 2015, 02:38:39 PM
I understand it's a real name but do you make it as if it's for someone else with the same name and DOB or do you not bother and just say "I want an AU in my name"
sorry i didn't explain well before i hope now is better
I did it online. If you're giving same name & DOB it's you.
Title: Re: Authorized users
Post by: avromie7 on February 12, 2015, 02:40:19 PM
I did it online. If you're giving same name & DOB it's you.
I know that but do you say "it's me" or do you just elude to it or either
Title: Re: Authorized users
Post by: E-MAN on February 12, 2015, 03:05:45 PM
Why not just do it online?
Can you add multiple AUs of yourself all with same name, DOB and SSN?
Title: Re: Authorized users
Post by: Marco Polo on February 12, 2015, 03:06:37 PM
Can you add multiple AUs of yourself all with same name, DOB and SSN?
Technically you can.
Title: Re: Authorized users
Post by: benjie1305 on February 12, 2015, 03:07:52 PM
Technically you can.

Hm. That doesn't sound straight forward.
Title: Re: Authorized users
Post by: Marco Polo on February 12, 2015, 03:08:19 PM
Hm. That doesn't sound straight forward.
You can add yourself. Better :)
Title: Re: Authorized users
Post by: Emkay on February 12, 2015, 03:11:25 PM
Can you add multiple AUs of yourself all with same name, DOB and SSN?
100%
Title: Re: Authorized users
Post by: benjie1305 on February 12, 2015, 03:12:43 PM
You can add yourself. Better :)

Much better  :D
Title: Re: Authorized users
Post by: TimT on February 12, 2015, 03:19:36 PM
100%
Have you done multiple of yourself on 1 account at the same time ?
Title: Re: Authorized users
Post by: Emkay on February 12, 2015, 03:20:00 PM
Have you done multiple of yourself on 1 account at the same time ?
Yup
Title: Re: Authorized users
Post by: E-MAN on February 12, 2015, 03:48:29 PM
Yup
Can all AUs (99) on one account be of yourself?
Title: Re: Authorized users
Post by: TimT on February 12, 2015, 03:50:27 PM
Can all AUs (99) on one account be of yourself?
Doesn't say anywhere that not. Just gotta use common sense.
Title: Re: Authorized users
Post by: benjie1305 on February 12, 2015, 03:52:04 PM
Doesn't say anywhere that not. Just gotta use common sense.

Common sense in making endless AUs because it doesn't say you can't or in NOT making 99 as to not alert anyone? :)

(don't answer me with "use common sense" :D)
Title: Re: Authorized users
Post by: TimT on February 12, 2015, 03:58:59 PM
Common sense in making endless AUs because it doesn't say you can't or in NOT making 99 as to not alert anyone? :)

(don't answer me with "use common sense" :D)
99 per account is not recommended
Title: Re: Authorized users
Post by: E-MAN on February 12, 2015, 04:07:19 PM
99 per account is not recommended
Didn't mean that I was going to do that, but 10, 20, 30 is ok?
Title: Re: Authorized users
Post by: TimT on February 12, 2015, 04:08:52 PM
Didn't mean that I was going to do that, but 10, 20, 30 is ok?
In the numerous SBS threads people have reported doing those amounts. There is no magic number when to stop. PGFHGS
Title: Re: Authorized users
Post by: E-MAN on February 12, 2015, 05:10:46 PM
If you add an AU online and thus have to put in SSN, does it show up on credit report that you are an AU on so many cards?
Title: Re: Authorized users
Post by: noturbizniss on February 12, 2015, 05:14:30 PM
If you add an AU online and thus have to put in SSN, does it show up on credit report that you are an AU on so many cards?
100% no. I was tracking me ex reports and tu reports while adding aus and nothing changed for my wife or myself. Betwean our combined 14 cards I added ourselves about 160 times
All online in increments of 4 or 5 per add
Title: Re: Authorized users
Post by: kangarruu on February 12, 2015, 05:25:01 PM
100% no. I was tracking me ex reports and tu reports while adding aus and nothing changed for my wife or myself. Betwean our combined 14 cards I added ourselves about 160 times
All online in increments of 4 or 5 per add

My personal AUs showed up on my report.
Title: Re: Authorized users
Post by: Tzafnas Paneach on February 12, 2015, 05:27:41 PM
If you add an AU online and thus have to put in SSN, does it show up on credit report that you are an AU on so many cards?
Which cards make you enter a social security number for AU?
Title: Re: Authorized users
Post by: TimT on February 12, 2015, 05:28:44 PM
Which cards make you enter a social security number for AU?
All of them online.
Title: Re: Authorized users
Post by: E-MAN on February 12, 2015, 05:29:15 PM
My personal AUs showed up on my report.
An AU for a personal card as opposed to a business card?
Title: Re: Authorized users
Post by: Tzafnas Paneach on February 12, 2015, 05:31:18 PM
Not true.  I added BA au and you just needed a name.  Same for Chase freedom.
Title: Re: Authorized users
Post by: TimT on February 12, 2015, 05:32:33 PM
Not true.  I added BA au and you just needed a name.  Same for Chase freedom.
We're talking Amex
Title: Re: Authorized users
Post by: benjie1305 on February 12, 2015, 05:53:05 PM
My personal AUs showed up on my report.

100% no. I was tracking me ex reports and tu reports while adding aus and nothing changed for my wife or myself. Betwean our combined 14 cards I added ourselves about 160 times
All online in increments of 4 or 5 per add

Weird. So for Amex it can or cannot? No consistency?
Title: Re: Authorized users
Post by: noturbizniss on February 12, 2015, 06:15:12 PM
Weird. So for Amex it can or cannot? No consistency?
I should clarify. They did  not show up again if they were already there,  and if they were new aus to the card they only showed one time regardless of how many times they were added
Title: Re: Authorized users
Post by: benjie1305 on February 12, 2015, 06:20:34 PM

I should clarify. They did  not show up again if they were already there,  and if they were new aus to the card they only showed one time regardless of how many times they were added

Ok- so if u had yourself 20 times on SPG it showed once as AU on SPG. Did I get that right?
Title: Re: Authorized users
Post by: noturbizniss on February 12, 2015, 06:31:04 PM
Ok- so if u had yourself 20 times on SPG it showed once as AU on SPG. Did I get that right?
Ya
Title: Re: Authorized users
Post by: AI-TRAVEL on February 12, 2015, 06:58:37 PM
Just following up on this thread. I can only say what happened to me. My wife was added to a account that defaulted. The account was opened way before she turned 18. They added her as a AU after. The account went into default and is now her on credit report all the way from 2005, when she wasn't even added as a AU user yet.
Title: Re: Authorized users
Post by: avromie7 on February 12, 2015, 07:06:01 PM
Just following up on this thread. I can only say what happened to me. My wife was added to a account that defaulted. The account was opened way before she turned 18. They added her as a AU after. The account went into default and is now her on credit report all the way from 2005, when she wasn't even added as a AU user yet.
contact the credit bureau see if they can do anything
Title: Re: Authorized users
Post by: benjie1305 on February 12, 2015, 07:15:36 PM

contact the credit bureau see if they can do anything

+1 they should be able to if u dispute that.
Title: Re: Authorized users
Post by: AI-TRAVEL on February 12, 2015, 07:39:35 PM
I Disputed it. Will that work?
Title: Re: Authorized users
Post by: Emkay on February 13, 2015, 03:02:12 AM
Can all AUs (99) on one account be of yourself?
I know more than one person who did that
Title: Re: Authorized users
Post by: Marco Polo on February 13, 2015, 09:09:53 AM
I know more than one person who did that
Doesn't mean it is the smart way to go if you want to stay under the F/R radar.
Title: Re: Authorized users
Post by: benjie1305 on February 13, 2015, 09:26:48 AM
Doesn't mean it is the smart way to go if you want to stay under the F/R radar.

+1

Well, do u think only 99 per card is bad or also 99 total?
Title: Re: Authorized users
Post by: Marco Polo on February 13, 2015, 09:31:49 AM
+1

Well, do u think only 99 per card is bad or also 99 total?
I wouldn't do 99 to a card, unless i was running a big business and can legitimately explain it. In regards to 99 cards, would depend how many different cards you have and users on each. I wouldn't do two Amex cards and 49.5 AU's on each.
Title: Re: Authorized users
Post by: TimT on February 13, 2015, 09:33:28 AM
+1

Well, do u think only 99 per card is bad or also 99 total?
If you have 10 accounts then 99 total AU's isn't so bad.
Title: Re: Authorized users
Post by: Emkay on February 13, 2015, 09:46:27 AM
Doesn't mean it is the smart way to go if you want to stay under the F/R radar.
Of course.
He wss just asking if it's possible
Title: Re: Authorized users
Post by: Emkay on February 13, 2015, 09:48:07 AM


I wouldn't do 99 to a card, unless i was running a big business and can legitimately explain it.
As long as you are confident with passing an FR it's shouldn't be an issue
Title: Re: Authorized users
Post by: Marco Polo on February 13, 2015, 09:49:48 AM
As long as you are confident with passing an FR it's shouldn't be an issue
I would prefer not to draw unwanted attention.
Title: Re: Authorized users
Post by: benjie1305 on February 13, 2015, 09:50:00 AM
I wouldn't do 99 to a card, unless i was running a big business and can legitimately explain it. In regards to 99 cards, would depend how many different cards you have and users on each. I wouldn't do two Amex cards and 49.5 AU's on each.

And how many of those would be in your name? :)

So it seems to be that on the CR each individual only shows up once (no matter the amount of AUs). However, I assume that doesnt stop Amex from a F/R as they can see how many timex "Moishe" added himself to the card and might be suspicious.
Title: Re: Authorized users
Post by: Marco Polo on February 13, 2015, 09:54:37 AM
And how many of those would be in your name? :)

So it seems to be that on the CR each individual only shows up once (no matter the amount of AUs). However, I assume that doesnt stop Amex from a F/R as they can see how many timex "Moishe" added himself to the card and might be suspicious.
I use family members, not multiples of my own name.
Title: Re: Authorized users
Post by: TimT on February 13, 2015, 09:58:50 AM
And how many of those would be in your name? :)

So it seems to be that on the CR each individual only shows up once (no matter the amount of AUs). However, I assume that doesnt stop Amex from a F/R as they can see how many timex "Moishe" added himself to the card and might be suspicious.
They see every card. I called about closing one account & the rep confused it with an au card on my wife's account.
Title: Re: Authorized users
Post by: freddy on March 19, 2015, 06:00:18 PM
I got an email  from amex asking me to supply the name of an authorized user which I obviously don't. Is this common? Is it safe to ignore this?
Title: Re: Authorized users
Post by: ckmk47 on March 19, 2015, 07:31:51 PM
I got an email  from amex asking me to supply the name of an authorized user which I obviously don't. Is this common? Is it safe to ignore this?
don't what?
Title: Re: Authorized users
Post by: avromie7 on March 19, 2015, 07:33:22 PM
I got an email  from amex asking me to supply the name of an authorized user which I obviously don't. Is this common? Is it safe to ignore this?
did you mean they asked for the SS#
Title: Re: Authorized users
Post by: freddy on March 19, 2015, 08:23:55 PM
did you mean they asked for the SS#
Yes.
don't what?
Don't have ss of authorized user.

Thanks for taking the time to respond even though I wasn't clear in my question.
Title: Re: Authorized users
Post by: avromie7 on March 19, 2015, 08:25:05 PM
Yes. Don't have ss of authorized user.

Thanks for taking the time to respond even though I wasn't clear in my question.
Don't worry about it they always send it
Title: Re: Authorized users
Post by: lyla on March 19, 2015, 09:41:22 PM
It's been a while since they sent letters but yesterday I got 5 different letters requesting SS#s.
Title: Re: Authorized users
Post by: jameswacht on April 27, 2015, 01:13:55 PM
 will Being an AU on a primary account that has bad history affect the AU negatively?  An Amex rep told me that it can only affect it positively. Not sure if she is right. anyone know?
Title: Re: Authorized users
Post by: Boruch999 on April 27, 2015, 01:26:18 PM
will Being an AU on a primary account that has bad history affect the AU negatively?  An Amex rep told me that it can only affect it positively. Not sure if she is right. anyone know?
She is wrong.
Title: Re: Authorized users
Post by: Yehuda25 on April 27, 2015, 04:07:37 PM
She is wrong.
+1 DROPR
Title: Re: Authorized users
Post by: Yehuda25 on April 27, 2015, 04:07:49 PM
It's been a while since they sent letters but yesterday I got 5 different letters requesting SS#s.
same here
Title: Re: Authorized users
Post by: Marco Polo on April 27, 2015, 04:16:18 PM
I've gotten letters a couple of times the past few weeks.
Title: Re: Authorized users
Post by: noturbizniss on April 27, 2015, 04:52:58 PM
Why can I only add 4 AUs to Blue from Amex at a time online? All others are 5. Just curious
Title: Re: Authorized users
Post by: Marco Polo on April 27, 2015, 04:55:35 PM
Why can I only add 4 AUs to Blue from Amex at a time online? All others are 5. Just curious
I think you may be limited to how many AU's you can have on that card.
Title: Re: Authorized users
Post by: Myccrabbi on April 27, 2015, 04:59:50 PM
Nothing beats it, when amax called me and said that the AU ssn is deceased
Title: Re: Authorized users
Post by: noturbizniss on April 27, 2015, 05:01:05 PM
I think you may be limited to how many AU's you can have on that card.
You are, but no different than other cards. I currently have 19 AU's.
Title: Re: Authorized users
Post by: cfbrown on May 12, 2015, 02:28:54 PM
Can each AU have an account so they are able to get some of the twitter/AMEX deals?
Title: Re: Authorized users
Post by: TimT on May 12, 2015, 02:33:32 PM
Can each AU have an account so they are able to get some of the twitter/AMEX deals?
they could have their own accounts. Read some of the recent posts here (http://forums.dansdeals.com/index.php?topic=11567.0) & the wiki for more info.
Title: Re: Authorized users
Post by: rs242 on May 12, 2015, 05:08:31 PM
can i add my kids as AU if they are very young or do they have to be 18? is it a bad idea to add myself as au? should i not add myself more then 2x? thanks
Title: Re: Authorized users
Post by: TimT on May 12, 2015, 05:20:28 PM
can i add my kids as AU if they are very young or do they have to be 18? is it a bad idea to add myself as au? should i not add myself more then 2x? thanks
Gotta be 15 for an au
This (http://www.dansdeals.com/archives/55429) is from SBS. (Amex)
Title: Re: Authorized users
Post by: Boruch999 on May 12, 2015, 07:30:16 PM
Gotta be 15 for an au
This (http://www.dansdeals.com/archives/55429) is from SBS. (Amex)

You can make up birthdays the same way you make up names.
Title: Re: Authorized users
Post by: TimT on May 12, 2015, 07:31:44 PM
You can make up birthdays the same way you make up names.
I was just saying what their rule is.
Title: Re: Authorized users
Post by: noturbizniss on May 13, 2015, 12:20:09 AM
You can make up birthdays the same way you make up names.
Fraud. And risky. Add yourself. Sbs time people reported reps telling them to add themselves more times on the phone.
Title: Re: Authorized users
Post by: lunatic on May 13, 2015, 02:15:29 AM


Fraud.
Which gets you jail time
Title: Re: Authorized users
Post by: Boruch999 on May 13, 2015, 07:47:17 AM
Fraud. And risky. Add yourself. Sbs time people reported reps telling them to add themselves more times on the phone.
Which gets you jail time

I'm not a lawyer nor familiar with the law, but I find it hard to believe that substituting, for example, 1997 for 2007 risks anything more than an FR. CMIIW.
Title: Re: Authorized users
Post by: noturbizniss on May 13, 2015, 07:49:14 AM
I'm not a lawyer nor familiar with the law, but I find it hard to believe that substituting, for example, 1997 for 2007 risks anything more than an FR. CMIIW.
The point t was making up fake names and birthdays for fake people
Title: Re: Authorized users
Post by: Boruch999 on May 13, 2015, 08:24:13 AM
The OP seemed to be wanting to make his child an AU.  For that all he needs is to fiddle with the BD.  I suppose I was misleading by saying

You can make up birthdays the same way you make up names.

A "mistake" birthday for a real person is what I meant.
Title: Re: Authorized users
Post by: Welder on May 13, 2015, 09:01:09 AM
Last night I tried adding myself on two Amexs - which already each had 1 AU in my own name and SS. One went through and the other got a message that it can't be done online and I need to call them.
Title: Re: Authorized users
Post by: shmooz on May 13, 2015, 10:08:47 AM
Fraud. And risky. Add yourself. Sbs time people reported reps telling them to add themselves more times on the phone.

Interesting idea, is it added to your credit report as a new card? I've had Chase ask me why I opened so many cards (including Amex) over the past year, and denying me a new card.
Title: Re: Authorized users
Post by: noturbizniss on May 13, 2015, 10:13:50 AM
Interesting idea, is it added to your credit report as a new card? I've had Chase ask me why I opened so many cards (including Amex) over the past year, and denying me a new card.
Mixed reports. Personally, I don't have 100 cards an my report. Only one as primary and one where I'm an AU.
Title: Re: Authorized users
Post by: shmooz on May 13, 2015, 10:36:01 AM
Mixed reports. Personally, I don't have 100 cards an my report. Only one as primary and one where I'm an AU.

Sorry, not sure what you mean - you mean you have many cards as an AU on your own account but they dont appear on your report?
Title: Re: Authorized users
Post by: shmooz on May 14, 2015, 10:12:38 AM
Just trying to get more info on adding au to Amex

Dont have that many real people to add and dont want to make any up.

Adding myself sounds like a good option - but not if each one will appear on the credit report as a new card

Anyone have experience with this?
Title: Re: Authorized users
Post by: Boruch999 on May 15, 2015, 05:47:04 AM
Just trying to get more info on adding au to Amex

Dont have that many real people to add and dont want to make any up.

Adding myself sounds like a good option - but not if each one will appear on the credit report as a new card

Anyone have experience with this?


I have 6 open accounts with Amex.  My EX only shows 5 (one is quite new.)

I have myself as an AU on at least 3 of those accounts.  Apparently, they are not reported as separate accounts to EX.
Title: Re: Authorized users
Post by: Emkay on May 15, 2015, 05:55:40 AM
Just trying to get more info on adding au to Amex

Dont have that many real people to add and dont want to make any up.

Adding myself sounds like a good option - but not if each one will appear on the credit report as a new card

Anyone have experience with this?
add the same people more than once
Title: Re: Authorized users
Post by: JamesIV on May 15, 2015, 01:56:16 PM
Will adding myself 5x to an Amex biz card seem suspicious to them?
Title: Re: Authorized users
Post by: Chapshnell on May 15, 2015, 01:57:20 PM
Just trying to get more info on adding au to Amex

Dont have that many real people to add and dont want to make any up.

Adding myself sounds like a good option - but not if each one will appear on the credit report as a new card

Anyone have experience with this?

add without ssn
Title: Re: Authorized users
Post by: Chapshnell on May 15, 2015, 01:57:29 PM
Will adding myself 5x to an Amex biz card seem suspicious to them?

no
Title: Re: Authorized users
Post by: noturbizniss on May 15, 2015, 01:57:33 PM
add without ssn
Will adding myself 5x to an Amex biz card seem suspicious to them?
absolutely not.
i add with ssn all the time. Many times in one day
Title: Re: Authorized users
Post by: JamesIV on May 15, 2015, 05:10:38 PM
absolutely not.
i add with ssn all the time. Many times in one day
Every how often are you adding 5 AUs?
Title: Re: Authorized users
Post by: noturbizniss on May 15, 2015, 05:49:13 PM
Every how often are you adding 5 AUs?
Added like 30 this week
Title: Re: Authorized users
Post by: JamesIV on May 15, 2015, 06:01:15 PM
Added like 30 this week
Wow. All in your name, dob, and social?
And all on different cards I'm assuming?
Title: Re: Authorized users
Post by: @Yehuda on May 17, 2015, 07:46:51 PM
Trying to get the AMEX AUs figured out once and for all. You don't want AUs in your name to show up on your CR, so you obviously leave out SSN. But, I just heard today that even giving DOB and name can get them added onto your CR.

So is the right way to do it ONLY by 1) calling up and 2) only giving name with no other info?
Title: Re: Authorized users
Post by: kangarruu on May 17, 2015, 08:00:58 PM
Trying to get the AMEX AUs figured out once and for all. You don't want AUs in your name to show up on your CR, so you obviously leave out SSN. But, I just heard today that even giving DOB and name can get them added onto your CR.

So is the right way to do it ONLY by 1) calling up and 2) only giving name with no other info?

They always insisted on DOB for me. Also it's hard to scale over the phone.
Title: Re: Authorized users
Post by: TimT on May 17, 2015, 08:08:54 PM
If you're not giving ssn you gotta do it by phone.
Title: Re: Authorized users
Post by: Hamavin on May 17, 2015, 08:18:21 PM
Does it really affect your CR?
Title: Re: Authorized users
Post by: @Yehuda on May 17, 2015, 08:24:26 PM
They always insisted on DOB for me. Also it's hard to scale over the phone.
Not looking for a crazy amount of AUs at this time. But doing it like that seems to be the only way that would keep them off the CR right?

Does it really affect your CR?
If they show up, it would technically lower your average age of accounts.
Title: Re: Authorized users
Post by: Hamavin on May 17, 2015, 08:45:43 PM
So I should just give my name without DOB and ss?
Title: Re: Authorized users
Post by: @Yehuda on May 17, 2015, 10:30:25 PM
So I should just give my name without DOB and ss?
Still don't have a confirmation that that works. :-\
Title: Re: Authorized users
Post by: Boruch999 on May 18, 2015, 01:20:07 AM
Still don't have a confirmation that that works. :-\

I have 6 open accounts with Amex.  My EX only shows 5 (one is quite new.)

I have myself as an AU on at least 3 of those accounts,added online with SS# and DOB.  Apparently, they are not reported as separate accounts to EX.
Title: Re: Authorized users
Post by: D93 on May 18, 2015, 01:56:17 AM
So is the right way to do it ONLY by 1) calling up and 2) only giving name with no other info?

Even without DOB they can match it to the credit report.
Title: Re: Authorized users
Post by: yochiek93 on May 18, 2015, 02:06:00 AM
Even without DOB they can match it to the credit report.
How
Title: Re: Authorized users
Post by: Tankchucker on May 18, 2015, 02:20:53 AM
How
+1 everybody with the last name Cohen would have bad credit if that was true.
Title: Re: Authorized users
Post by: shauly on May 18, 2015, 04:34:29 AM
+1 everybody with the last name Cohen would have bad credit if that was true.

They can use your address.
Title: Re: Authorized users
Post by: yochiek93 on May 18, 2015, 05:00:32 AM
They can use your address.
if they only have the au name they cant what if they dont live in the same house
Title: Re: Authorized users
Post by: shauly on May 18, 2015, 05:33:57 AM
if they only have the au name they cant what if they dont live in the same house

Obviously they can't/don't do it in every case but if you, let's say, add your brother who lives at the same address, they can report.
Title: Re: Authorized users
Post by: yochiek93 on May 18, 2015, 06:20:48 AM
Obviously they can't/don't do it in every case but if you, let's say, add your brother who lives at the same address, they can report.
but they dont know he lives there without supplying that info
Title: Re: Authorized users
Post by: D93 on May 18, 2015, 06:24:40 AM
How
+1 everybody with the last name Cohen would have bad credit if that was true.
but they dont know he lives there without supplying that info
You people are talking as if you know how CB's work, which highly is doubtful, especially because you are wrong.

I don't know how it works but I do know that I've had cards added to my report where no SSN or DOB was provided.
Title: Re: Authorized users
Post by: Boruch999 on May 18, 2015, 08:15:40 AM
Is it possible to have two of the same Amex product linked to the same online account, one as primary and one as AU?
Title: Re: Authorized users
Post by: tjak on May 18, 2015, 08:21:53 AM

Is it possible to have two of the same Amex product linked to the same online account, one as primary and one as AU?
Yes.
Title: Re: Authorized users
Post by: Boruch999 on May 18, 2015, 08:32:48 AM
Thanks.

What does the oilam select for Card Member Relationship when adding yourself as an AU  ;D
Title: Re: Authorized users
Post by: lfas25 on May 18, 2015, 09:12:48 AM
Thanks.

What does the oilam select for Card Member Relationship when adding yourself as an AU  ;D

Other
Title: Re: Authorized users
Post by: noturbizniss on May 18, 2015, 09:35:23 AM
Thanks.

What does the oilam select for Card Member Relationship when adding yourself as an AU  ;D
I just ignore it. Leave it whatever the default is.
Title: Re: Authorized users
Post by: yoshapman on May 19, 2015, 12:19:32 AM
Without reading through all of this, can I  add AUs to an Amex without having a real DOB or SS. I see that you can add users without a SS, but what about the DOB part? I know that people adding 99 users must not be adding real users, so what do they do? Is that technically fraud? I keep reasing about it but am not sure how everyone does it or gets ready for SBS?
Title: Re: Authorized users
Post by: Marco Polo on May 19, 2015, 08:50:32 AM
Without reading through all of this, can I  add AUs to an Amex without having a real DOB or SS. I see that you can add users without a SS, but what about the DOB part? I know that people adding 99 users must not be adding real users, so what do they do? Is that technically fraud? I keep reasing about it but am not sure how everyone does it or gets ready for SBS?
Why is that?

False information is fraud.
Title: Re: Authorized users
Post by: benjie1305 on May 19, 2015, 08:51:33 AM
Without reading through all of this, can I  add AUs to an Amex without having a real DOB or SS. I see that you can add users without a SS, but what about the DOB part? I know that people adding 99 users must not be adding real users, so what do they do? Is that technically fraud? I keep reasing about it but am not sure how everyone does it or gets ready for SBS?

No need to cross post (http://forums.dansdeals.com/index.php?topic=8.msg1150394#msg1150394) as you were provided with an answer already.

In addition, some people have large families. Also depends if you are adding on Biz or Personal card.
Title: Re: Authorized users
Post by: username on May 19, 2015, 08:55:23 AM
User Name
U. Name
U.S. Name
Us Name
Use Name




Ữ₴ΣЯ ИΛΜӘ
Title: Re: Authorized users
Post by: yoshapman on May 19, 2015, 09:57:21 AM
No need to cross post (http://forums.dansdeals.com/index.php?topic=8.msg1150394#msg1150394) as you were provided with an answer already.

In addition, some people have large families. Also depends if you are adding on Biz or Personal card.

I only posted here after noticing that this thread existed, which I did not know before. What is the difference about adding people if you are a business or personal (besides the FR aspect). So lots of people here have 99+ family members who have no problem letting them use their real info (or at least DOB) per card?
Title: Re: Authorized users
Post by: Marco Polo on May 19, 2015, 09:57:50 AM
I only posted here after noticing that this thread existed, which I did not know before. What is the difference about adding people if you are a business or personal (besides the FR aspect). So lots of people here have 99+ family members who have no problem letting them use their real info (or at least DOB) per card?
Does not need to be one per person...
Title: Re: Authorized users
Post by: yoshapman on May 19, 2015, 10:50:04 AM
Does not need to be one per person...

And Amex has no issue with same DOB but different name variations on front? Sorry I am sure this has been answered, and if need be I'll read through the 60 pages here.
Title: Re: Authorized users
Post by: benjie1305 on May 19, 2015, 11:01:15 AM
And Amex has no issue with same DOB but different name variations on front? Sorry I am sure this has been answered, and if need be I'll read through the 60 pages here.

Does not need to be one per person...

You can add yourself.
Title: Re: Authorized users
Post by: Boruch999 on May 19, 2015, 11:04:20 AM
And Amex has no issue with same DOB but different name variations on front? Sorry I am sure this has been answered, and if need be I'll read through the 60 pages here.
Title: Re: Authorized users
Post by: noturbizniss on May 20, 2015, 12:54:50 AM
You can add yourself.
Adding yourself will add au accounts to your credit report. Barclays mentioned it when I applied for a card yesterday.
Title: Re: Authorized users
Post by: lfas25 on May 20, 2015, 01:04:57 AM
Adding yourself will add au accounts to your credit report. Barclays mentioned it when I applied for a card yesterday.

That definitely not a guarantee, I have myself many times on my cards and they do not show on my reports.
Title: Re: Authorized users
Post by: noturbizniss on May 20, 2015, 01:05:27 AM
That definitely not a guarantee, I have myself many times on my cards and they do not show on my reports.
They didn't last year, but now the new ones are popping up.
Title: Re: Authorized users
Post by: lfas25 on May 20, 2015, 01:07:25 AM
They didn't last year, but now the new ones are popping up.

Hmmmm I added myself last week a bunch of times and nothing is showing yet..
Title: Re: Authorized users
Post by: noturbizniss on May 20, 2015, 01:09:00 AM
Hmmmm I added myself last week a bunch of times and nothing is showing yet..
Good luck...
Happening to my wife as well. 
Title: Re: Authorized users
Post by: lfas25 on May 20, 2015, 01:10:12 AM
Good luck...
Happening to my wife as well.

That sucks, how long did it take for the new AU's to appear on your reports?
Title: Re: Authorized users
Post by: Tankchucker on May 20, 2015, 03:44:24 AM
Mixed reports. Personally, I don't have 100 cards an my report. Only one as primary and one where I'm an AU.

They didn't last year, but now the new ones are popping up.

Good luck...
Happening to my wife as well.
Am I missing something? Or did you only realize them on the cr after having posted the first two posts?
Title: Re: Authorized users
Post by: noturbizniss on May 20, 2015, 06:57:32 AM
Am I missing something? Or did you only realize them on the cr after having posted the first two posts?
They literally started popping on this week.
Mind you bits only new ones I'm adding, not existing au cards
Title: Re: Authorized users
Post by: kangarruu on May 20, 2015, 08:05:05 AM
They literally started popping on this week.
Mind you bits only new ones I'm adding, not existing au cards

The question is making them drop off fast too.
Title: Re: Authorized users
Post by: benjie1305 on May 20, 2015, 08:26:23 AM
They didn't last year, but now the new ones are popping up.

If and when I (want to) cancel them, is this an easy call to CB to take them off again?
Title: Re: Authorized users
Post by: Tankchucker on May 20, 2015, 04:02:37 PM
I'm worried now, I just opened 10 Au's in my name last week.
Title: Re: Authorized users
Post by: JamesIV on May 20, 2015, 04:12:33 PM
Adding yourself will add au accounts to your credit report.
Wow that's a killer
Title: Re: Authorized users
Post by: Tankchucker on May 22, 2015, 06:04:28 PM
I just got my 10 au cards in the mail 5 from everyday cash and 5 from everyday all under my own name and social all 10 came in 8 envelopes, is it a new thing for amex to put two cards into one envelope?
Title: Re: Authorized users
Post by: lfas25 on May 22, 2015, 07:23:57 PM
I just got my 10 au cards in the mail 5 from everyday cash and 5 from everyday all under my own name and social all 10 came in 8 envelopes, is it a new thing for amex to put two cards into one envelope?

I had 2 new cards come in 1 envelope as well
Title: Re: Authorized users
Post by: Marco Polo on May 22, 2015, 11:46:20 PM
I've also had them ship multiple cards together.
Title: Re: Authorized users
Post by: talkitup90 on May 23, 2015, 06:56:42 PM
What's the point of adding multiple au's though if they're fake? I know that adding someone could help their credit report, but how does adding fake people or yourself benefit you?
Title: Re: Authorized users
Post by: Emkay on May 24, 2015, 05:31:58 PM
What's the point of adding multiple au's though if they're fake? I know that adding someone could help their credit report, but how does adding fake people or yourself benefit you?
SBS, amex offers
Title: Re: Authorized users
Post by: talkitup90 on May 25, 2015, 04:30:06 AM

SBS, amex offers

Ah, makes sense. Got it.
Title: Re: Authorized users
Post by: Tankchucker on May 25, 2015, 10:41:19 PM
Even though I used my name and social my Au's all say member since 15 while my primary cards say member since 12 (though that's also wrong, I opened my first amex in 2014, but in 2012 somebody from the yeshiva office opened an au in my name without my permission)
Title: Re: Authorized users
Post by: TimT on May 25, 2015, 10:42:47 PM
But in 2012 somebody from the yeshiva office opened an au in my name without my permission)
Was it for SBS ? With ssn ?
Title: Re: Authorized users
Post by: Tankchucker on May 25, 2015, 10:45:45 PM
Was it for SBS ? With ssn ?
Pretty sure that he used it for SBS. The guy did it with bachurims SSNs from different yeshivas he worked for.
Title: Re: Authorized users
Post by: Jm1248 on May 25, 2015, 11:45:21 PM
What is the suggested amount of au's to get while staying under the radar?
Title: Re: Authorized users
Post by: TimT on May 25, 2015, 11:54:36 PM
What is the suggested amount of au's to get while staying under the radar?
No set number. Whatever you're comfortable with
Title: Re: Authorized users
Post by: Tankchucker on May 25, 2015, 11:58:01 PM
If I were to put 99 Au's in my name but be able to prove my income in a fr, would that still be a bad idea? (Putting aside the possibility of the Au's hitting my cr)
Title: Re: Authorized users
Post by: lfas25 on May 26, 2015, 02:46:27 AM
If I were to put 99 Au's in my name but be able to prove my income in a fr, would that still be a bad idea? (Putting aside the possibility of the Au's hitting my cr)

If you don't mind the hassle of a FR and don't mind if you have the card multiple times on your CR, there's nothing to lose by adding yourself.
Title: Re: Authorized users
Post by: Tankchucker on May 26, 2015, 03:01:03 AM
If you don't mind the hassle of a FR and don't mind if you have the card multiple times on your CR, there's nothing to lose by adding yourself.
The thing is I added 10 Au's in my own name last week, after that I found out that it can hit the CR, my credit history is 2 years long I'm not sure if I should a) cancel all my Au's and cross my fingers and hope that it doesn't hit my cr b) leave them and just don't open any more in my own name c) open another 150 Au's and just let my credit length fix itself over time.
Title: Re: Authorized users
Post by: Marco Polo on May 26, 2015, 03:03:50 AM
The thing is I added 10 Au's in my own name last week, after that I found out that it can hit the CR, my credit history is 2 years long I'm not sure if I should a) cancel all my Au's and cross my fingers and hope that it doesn't hit my cr b) leave them and just don't open any more in my own name c) open another 150 Au's and just let my credit length fix itself over time.
Why don't you just wait and see.
Title: Re: Authorized users
Post by: ryg on May 29, 2015, 11:23:31 AM
I keep on having this issue when applying for new cards. They say i have 20 new accounts in the past six months. It takes ten minutes but i explained that the are not new lines of credit and they re-evaluate and approve the app. :-)
If anyone can add the solution to this problem to the wiki...
Title: Re: Authorized users
Post by: TimT on May 29, 2015, 11:36:19 AM
I keep on having this issue when applying for new cards. They say i have 20 new accounts in the past six months. It takes ten minutes but i explained that the are not new lines of credit and they re-evaluate and approve the app. :-)
If anyone can add the solution to this problem to the wiki...
This with amex or any bank ?
Title: Re: Authorized users
Post by: username on May 29, 2015, 12:08:32 PM
I keep on having this issue when applying for new cards. They say i have 20 new accounts in the past six months. It takes ten minutes but i explained that the are not new lines of credit and they re-evaluate and approve the app. :-)
If anyone can add the solution to this problem to the wiki...
Happens to me with Amex, but It never takes me 10 minutes. i just tell them what that is, and they move on.
Title: Re: Authorized users
Post by: TimT on May 29, 2015, 12:26:34 PM
You'd think Amex knows their own cards but their computers are a mess trying to keep track. I tried closing an account. Instead she starts closing an au card on someone else's account.
Title: Re: Authorized users
Post by: username on May 29, 2015, 12:34:31 PM
You'd think Amex knows their own cards but their computers are a mess trying to keep track. I tried closing an account. Instead she starts closing an au card on someone else's account.
I think that this can sometimes work in our favor.
Title: Re: Authorized users
Post by: bermo on May 29, 2015, 12:35:31 PM
I keep on having this issue when applying for new cards. They say i have 20 new accounts in the past six months. It takes ten minutes but i explained that the are not new lines of credit and they re-evaluate and approve the app. :-)
If anyone can add the solution to this problem to the wiki...
Is this problem only when you add yourself as a AU on your account or  when added on someone else's account or both?
Title: Re: Authorized users
Post by: Emkay on May 30, 2015, 04:14:14 PM
Is this problem only when you add yourself as a AU on your account or  when added on someone else's account or both?
Both
Title: Re: Authorized users
Post by: JamesIV on May 31, 2015, 01:17:49 AM
General Question for the kahal: Do you use 1 online account for all your AUs or diff accounts for each one?
Also is there a max of AUs that can be registered to 1 online account?
Title: Re: Authorized users
Post by: Mendylab on May 31, 2015, 01:19:31 AM
General Question for the kahal: Do you use 1 online account for all your AUs or diff accounts for each one?
Also is there a max of AUs that can be registered to 1 online account?

For promotion purposes, it's better to have each it's one account.
Title: Re: Authorized users
Post by: TimT on May 31, 2015, 01:20:02 AM
General Question for the kahal: Do you use 1 online account for all your AUs or diff accounts for each one?
Also is there a max of AUs that can be registered to 1 online account?
Most people put several on 1 account. It would be endless to make a new account for each au.
Title: Re: Authorized users
Post by: tzifanya54 on May 31, 2015, 03:45:59 AM
Pretty sure that he used it for SBS. The guy did it with bachurims SSNs from different yeshivas he worked for.
Pretty sure that's big time illegal.
Title: Re: Authorized users
Post by: TimT on May 31, 2015, 04:54:50 AM
Pretty sure that's big time illegal.
Correct
Title: Re: Authorized users
Post by: noturbizniss on May 31, 2015, 07:08:23 AM
I keep on having this issue when applying for new cards. They say i have 20 new accounts in the past six months. It takes ten minutes but i explained that the are not new lines of credit and they re-evaluate and approve the app. :-)
If anyone can add the solution to this problem to the wiki...
Doesn't work for Barclay's. They even saw that many were au cards. But I have heard that barclays is very jig on the new account issue.

Other than many new accounts, and I guess impacting average age of credit, is there anything not good about having dozens or hundreds of au cards on my credit report?
Title: Re: Authorized users
Post by: Tankchucker on May 31, 2015, 08:42:02 AM
Pretty sure that's big time illegal.
Correct, and he lost his job because of it.
Title: Re: Authorized users
Post by: TimT on May 31, 2015, 09:07:06 AM
Correct, and he lost his job because of it.
He should be happy he didn't go to prison.
Title: Re: Authorized users
Post by: Tankchucker on May 31, 2015, 09:18:15 AM
He should be happy he didn't go to prison.
+1 The yeshiva figured out how to protect themselves without getting him locked up, everybody that was there in the last 5 years got a letter in certified mail that was written by their lawyer. (even the guys that were in yeshiva had the letter mailed to their house) Honestly I'm happier that he's not in prison, if he would have actually taken out loans in everybody's name I wouldn't say that.
Title: Re: Authorized users
Post by: shlonx on June 04, 2015, 09:13:37 PM
I want my brother in law to add me on to his Chase account as an AU to better my credit score. Will Chase be able to link my information to the card when all that is required is a name? There are plenty of John Does out there, plus I don't live at the same address as my BIL, so how could the credit bureaus know that it's me?
Title: Re: Authorized users
Post by: yitrap on June 04, 2015, 09:18:46 PM
I want my brother in law to add me on to his Chase account as an AU to better my credit score. Will Chase be able to link my information to the card when all that is required is a name? There are plenty of John Does out there, plus I don't live at the same address as my BIL, so how could the credit bureaus know that it's me?
They claim they have a way, not sure how though...If he adds you to his business card you can add a social
Title: Re: Authorized users
Post by: noturbizniss on June 08, 2015, 07:08:05 PM
How bad is it to add oneself as an AU when it shows up on credit report, how long is it bad? What happens when the au cards is closed and or when the primary is closed? Do they disappear? Is there any way to get them removed?
Title: Re: Authorized users
Post by: hvaces42 on June 08, 2015, 07:10:31 PM
How bad is it to add oneself as an AU when it shows up on credit report, how long is it bad? What happens when the au cards is closed and or when the primary is closed? Do they disappear? Is there any way to get them removed?
AFAIK everyone does that for SBS. What effect it has...I'd love to know too.
Title: Re: Authorized users
Post by: Hamavin on June 08, 2015, 07:37:10 PM
Do people add the same person with dab and ss 5 times on same phone call?
Title: Re: Authorized users
Post by: rileywiles23 on June 08, 2015, 08:29:09 PM

Do people add the same person with dab and ss 5 times on same phone call?
You can.
Title: Re: Authorized users
Post by: Jm1248 on June 08, 2015, 11:34:54 PM
Do people add the same person with dab and ss 5 times on same phone call?
Once you're using ssn you may as well do it online
Title: Re: Authorized users
Post by: Hamavin on June 08, 2015, 11:58:23 PM
Just add on line same name dob and ss 5 times?
Title: Re: Authorized users
Post by: TimT on June 08, 2015, 11:59:09 PM
Just add on line same name dob and ss 5 times?
Why not ?
Title: Re: Authorized users
Post by: Hamavin on June 09, 2015, 12:00:13 AM
K wasnt sure if it was better to rotate 5 people...
Title: Re: Authorized users
Post by: TimT on June 09, 2015, 12:01:42 AM
K wasnt sure if it was better to rotate 5 people...
You could do it however you want on all your accounts as long as you're providing ssn.
Title: Re: Authorized users
Post by: Hamavin on June 09, 2015, 12:02:22 AM
gotcha thanks
Title: Re: Authorized users
Post by: TimT on June 09, 2015, 12:10:25 AM
gotcha thanks
Just be aware of this
How bad is it to add oneself as an AU when it shows up on credit report, how long is it bad? What happens when the au cards is closed and or when the primary is closed? Do they disappear? Is there any way to get them removed?
Title: Re: Authorized users
Post by: Hamavin on June 09, 2015, 12:53:32 AM
Its not myself! Is it bad to put 20 per ssn x 5
Title: Re: Authorized users
Post by: Jm1248 on June 09, 2015, 01:06:24 AM
Its not myself! Is it bad to put 20 per ssn x 5
If it doesn't show up on your credit report its fine. However people have been seeing it show up recently. I don't think anyone knows yet whether or not it can really affect your (or someone else's) credit to be an au lots of times over
Title: Re: Authorized users
Post by: Emkay on June 09, 2015, 03:09:54 AM
Its not myself! Is it bad to put 20 per ssn x 5
Those in the fr thread won't approve of it necessarily
Title: Re: Authorized users
Post by: Boruch999 on June 09, 2015, 08:02:10 AM
If it doesn't show up on your credit report its fine. However people have been seeing it show up recently. I don't think anyone knows yet whether or not it can really affect your (or someone else's) credit to be an au lots of times over

I don't believe anyone has seen an AU with someone else' ssn show up on his own report.
Title: Re: Authorized users
Post by: Chapshnell on June 09, 2015, 08:06:17 AM
If it doesn't show up on your credit report its fine. However people have been seeing it show up recently. I don't think anyone knows yet whether or not it can really affect your (or someone else's) credit to be an au lots of times over

It showed up on my credit report & now im having a hard time with getting approvals etc. just cancel the au's under my name & replace them with other family members?
Title: Re: Authorized users
Post by: Hamavin on June 09, 2015, 09:09:13 AM
Those in the fr thread won't approve of it necessarily
Whats forsure a safe #?
Title: Re: Authorized users
Post by: TimT on June 09, 2015, 09:10:55 AM
Whats forsure a safe #?
There is no magic number.
Title: Re: Authorized users
Post by: lfas25 on June 09, 2015, 09:12:30 AM
It showed up on my credit report & now im having a hard time with getting approvals etc. just cancel the au's under my name & replace them with other family members?

You should be able to dispute them with the credit agencies.
Title: Re: Authorized users
Post by: Chapshnell on June 09, 2015, 11:07:03 AM
You should be able to dispute them with the credit agencies.

If I remove them from my main acct will they dissapear from my CR?
Title: Re: Authorized users
Post by: LoLo on June 09, 2015, 11:09:50 AM
If I remove them from my main acct will they dissapear from my CR?
Doubt it, it'll prob show up as a closed account.
Title: Re: Authorized users
Post by: Jm1248 on June 09, 2015, 11:47:09 AM
Doubt it, it'll prob show up as a closed account.
I only checked my experian cr and didn't see any au cards on it. Do they only show up on TU or equifax?
Title: Re: Authorized users
Post by: noturbizniss on June 09, 2015, 12:35:18 PM
I only checked my experian cr and didn't see any au cards on it. Do they only show up on TU or equifax?
New amex AU's have been showing up the last couple months. Last year SBS they were not, but the new ones added in april and may are. Experian
Title: Re: Authorized users
Post by: Jm1248 on June 09, 2015, 12:49:58 PM
New amex AU's have been showing up the last couple months. Last year SBS they were not, but the new ones added in april and may are. Experian
Interesting. I added ten au's in may & as of last week they were not on my Experian report. Does it take time to show up? I added in beginning of may
Title: Re: Authorized users
Post by: noturbizniss on June 09, 2015, 12:50:38 PM
according to this post (http://www.bankrate.com/finance/credit-cards/removing-name-authorized-user-accounts.aspx)
Quote
Can I get the account removed?
Yes, you can. The creditor does not have to report that account to the credit bureaus. In most cases, one spouse adds another spouse on an account as an authorized user to help improve his or her credit.

Call the company and see whether you can remove the account verbally or whether you must make the request in writing. You can still use the account even after removing it from your credit report unless you would also like to take your name off the account.

Anyone ever try this with Amex when they add themselves as AU and still keep it open?
Title: Re: Authorized users
Post by: noturbizniss on June 09, 2015, 12:51:09 PM
Interesting. I added ten au's in may & as of last week they were not on my Experian report. Does it take time to show up? I added in beginning of may
not all have been showing up.no rhyme or reason.
Title: Re: Authorized users
Post by: Jm1248 on June 09, 2015, 12:55:30 PM
not all have been showing up.no rhyme or reason.
If it hasn't shown up yet am I safe on those or they can show up in a coupla weeks?
Title: Re: Authorized users
Post by: DaveInLA on June 09, 2015, 05:20:42 PM
Question about Cap One. Do their credit card AU have same numbers as the primary card? Can I request an AU card for myself like with AMEX?
Title: Re: Authorized users
Post by: Hidden on June 09, 2015, 06:51:08 PM
Question about Cap One. Do their credit card AU have same numbers as the primary card? Can I request an AU card for myself like with AMEX?
IME different number
Don't know about au for self but I have the same person twice as au
Title: Re: Authorized users
Post by: yochiek93 on June 10, 2015, 08:26:21 AM
when i spoke to amex to add au's to my biz plat account they told me i dont have the option to get the 10000 bonus points did anyone else have this problem?
Title: Re: Authorized users
Post by: TimT on June 10, 2015, 08:27:53 AM
when i spoke to amex to add au's to my biz plat account they told me i dont have the option to get the 10000 bonus points did anyone else have this problem?
In the 10k MR thread others have mentioned that as well.
Title: Re: Authorized users
Post by: yochiek93 on June 10, 2015, 08:33:46 AM
In the 10k MR thread others have mentioned that as well.
is there anything that could be done? huca maybe or that wont help?
Title: Re: Authorized users
Post by: sammy n on June 10, 2015, 09:09:52 AM
is there anything that could be done? huca maybe or that wont help?
Doesn't hurt to try.
Title: Re: Authorized users
Post by: TimT on June 10, 2015, 09:24:17 AM
is there anything that could be done? huca maybe or that wont help?
Definitely try. It is targeted. Look through this (http://forums.dansdeals.com/index.php?topic=51930.0) thread.
Title: Re: Authorized users
Post by: yochiek93 on June 10, 2015, 09:30:39 AM
Definitely try. It is targeted. Look through this (http://forums.dansdeals.com/index.php?topic=51930.0) thread.
Thanx
Title: Re: Authorized users
Post by: Marco Polo on June 10, 2015, 10:14:23 AM
I'm in middle of one of the most idiotic conversations with an Amex chat rep.

I downgraded a business platinum card recently to the green card. The AU's were added to the plat on 4/18 and were turned into no AF green cards when i made the change. I now see that i only received a partial refund on the AU cards. The rep is telling me
Quote
In case of product change since card remains active on the account with previous card, prorated fee is only refunded.
Though when i asked if i cancelled the cards now since it was within 60 days would i get a full refund, they said yes. But somehow downgrading to a no AF card causes me to lose part of the refund.

I'm going crazy.
Title: Re: Authorized users
Post by: Chapshnell on June 10, 2015, 10:27:03 AM
just call & ask for a manager, there is only so much a chat rep can understand
Title: Re: Authorized users
Post by: Marco Polo on June 10, 2015, 10:32:31 AM
just call & ask for a manager, there is only so much a chat rep can understand
I'm chatting with a chat manager now.

Am i missing something?
Title: Re: Authorized users
Post by: LoLo on June 10, 2015, 01:36:37 PM


Last year SBS they were not,

They did show up for me
Title: Re: Authorized users
Post by: lfas25 on June 10, 2015, 08:41:44 PM
Anyone know what the limit for AU's for OBC?
I have 3 currently and when I tried adding another I got a letter in the mail stating I have the max.
Title: Re: Authorized users
Post by: Marco Polo on June 10, 2015, 09:04:05 PM
Anyone know what the limit for AU's for OBC?
I have 3 currently and when I tried adding another I got a letter in the mail stating I have the max.
IIRC, three is the max.
Title: Re: Authorized users
Post by: efflpetzel on June 10, 2015, 09:05:40 PM

I'm chatting with a chat manager now.

Am i missing something?
your not missing anything, I had the same problem they'd only offer me a prorated refund on the plat au's
Title: Re: Authorized users
Post by: Marco Polo on June 10, 2015, 09:09:57 PM
your not missing anything, I had the same problem they'd only offer me a prorated refund on the plat au's
I got connected to a manager. Not sure if they understood, but they said they will refund me.
Title: Authorized users
Post by: efflpetzel on June 10, 2015, 09:13:51 PM
I got connected to a manager. Not sure if they understood, but they said they will refund me.
they gave me back $275 per au
Title: Re: Authorized users
Post by: Marco Polo on June 10, 2015, 09:19:58 PM
they gave me back $275 per au
After downgrading within 60 days?
Title: Re: Authorized users
Post by: efflpetzel on June 11, 2015, 03:46:20 PM
After downgrading within 60 days?
yes, they claimed that au's are not subject to the 60 day rule, I escalated it & only got back $275



Title: Re: Authorized users
Post by: Marco Polo on June 11, 2015, 03:46:55 PM
yes, they claimed that au's are not subject to the 60 day rule, I escalated it & only got back $275
I just saw they credited me back fully.
Title: Re: Authorized users
Post by: a mirrer on June 11, 2015, 03:51:22 PM
yes, they claimed that au's are not subject to the 60 day rule, I escalated it & only got back $275
i got back full 300 for closing within 60 days 3 weeks ago
Title: Re: Authorized users
Post by: efflpetzel on June 11, 2015, 03:51:28 PM
If it doesn't show up on your credit report its fine. However people have been seeing it show up recently. I don't think anyone knows yet whether or not it can really affect your (or someone else's) credit to be an au lots of times over
I know.

Citi denied me the Premier card last month because i have an account reporting 5 times (I had 5 au's in my name)
Title: Re: Authorized users
Post by: LoLo on June 11, 2015, 04:26:15 PM
I know.

Citi denied me the Premier card last month because i have an account reporting 5 times (I had 5 au's in my name)
Even after recon?
Title: Re: Authorized users
Post by: efflpetzel on June 11, 2015, 04:29:00 PM
Even after recon?
yes
Title: Re: Authorized users
Post by: efflpetzel on June 11, 2015, 04:30:26 PM
I just saw they credited me back fully.
good for you chutzpa for me, gonna try to fix this
Title: Re: Authorized users
Post by: Marco Polo on June 11, 2015, 04:31:46 PM
good for you chutzpa for me, gonna try to fix this
Call. Don't waste your time on the chat, took me forever.
Title: Re: Authorized users
Post by: yakrot on June 11, 2015, 09:34:53 PM
I called up to make sure the refund was coming through on one of my au's because I didn't see a 300 dollar credit. The rep put me on hold and told me she manually credited the 450 back.... I wasn't asking any questions so I said thank you and hung up.
I called back to make sure my primary hadn't been downgraded. What are the chances that I get the 450?
Title: Re: Authorized users
Post by: Jm1248 on June 11, 2015, 10:46:55 PM
Does anyone know if it's for sure ok to add aus w/o ssn or is there a chance of that showing up on credit report?
Title: Re: Authorized users
Post by: Marco Polo on June 11, 2015, 10:49:48 PM
Does anyone know if it's for sure ok to add aus w/o ssn or is there a chance of that showing up on credit report?
It is possible that they can match the AU to someone, but less likely.
Title: Re: Authorized users
Post by: TimT on June 11, 2015, 10:50:33 PM
Does anyone know if it's for sure ok to add aus w/o ssn or is there a chance of that showing up on credit report?
People have been reporting that they've been matching it even without providing ssn.
Title: Re: Authorized users
Post by: Jm1248 on June 11, 2015, 10:54:12 PM
People have been reporting that they've been matching it even without providing ssn.
When au is in their own name or even others?
Title: Re: Authorized users
Post by: TimT on June 11, 2015, 11:00:31 PM
When au is in their own name or even others?
Own name & IIRC someone reported with other names as well, but that's not the norm.
Title: Re: Authorized users
Post by: rileywiles23 on June 12, 2015, 12:45:27 AM
Can one create an online account for Amex au's, when there is no social attached to the card ?
Title: Re: Authorized users
Post by: lfas25 on June 12, 2015, 01:14:46 AM
Can one create an online account for Amex au's, when there is no social attached to the card ?

I have done that in the past.
Title: Re: Authorized users
Post by: Boruch999 on June 12, 2015, 08:56:29 AM
Can one create an online account for Amex au's, when there is no social attached to the card ?
I have done that in the past.

My wife does not have a ssn.  I have been unable to create an account online.  I have been able to by calling in and explaining the situation.  Since she doesn;'t have a ssn, she needs a separate account for each card.
Title: Re: Authorized users
Post by: Jm1248 on June 12, 2015, 10:00:52 AM
Can one create an online account for Amex au's, when there is no social attached to the card ?
You can but sometimes they won't allow you to verify account online and you'll need to call. Then, depending on the rep, you can create an account in a few minutes. I've set up multiple accounts in one phone call. Some reps won't allow it w/o speaking to the au & some will. Ymmv
Title: Re: Authorized users
Post by: noturbizniss on June 18, 2015, 03:34:47 PM
If I remove them from my main acct will they dissapear from my CR?
Did you add yourself as an AU to your own cards or someone else's?
Title: Re: Authorized users
Post by: Jm1248 on June 18, 2015, 05:13:57 PM
I just spoke to an Amex rep who said you're not allowed to add additional users if their name is already on the account. ROFL. Didn't even bother. Just huca'd
Title: Re: Authorized users
Post by: mgarfin on June 21, 2015, 10:02:00 AM
I just spoke to an Amex rep who said you're not allowed to add additional users if their name is already on the account. ROFL. Didn't even bother. Just huca'd
Did you explain to them that you want double amax offers .
Title: Re: Authorized users
Post by: Jm1248 on June 21, 2015, 11:38:52 AM
Did you explain to them that you want double amax offers .
Only after I told them I want to cash in on sbs  ;)
Title: Re: Authorized users
Post by: Ydad on June 29, 2015, 10:58:30 AM
Called amex to add an au (legit- social and dob given) and the rep puts me on hold and comes back to tell me it's pending and I'll get a letter in a few days with the results. Anyone ever experienced this?
Title: Re: Authorized users
Post by: Chapshnell on June 29, 2015, 11:09:29 AM
Unless that person has bad credit & you added him/her with their ssn it will go through. You'll get the card in the mail. No worries
Title: Re: Authorized users
Post by: Jm1248 on June 29, 2015, 11:20:18 AM
Called amex to add an au (legit- social and dob given) and the rep puts me on hold and comes back to tell me it's pending and I'll get a letter in a few days with the results. Anyone ever experienced this?
Very often. Never is an issue unless
that person has bad credit
Title: Re: Authorized users
Post by: Ydad on June 29, 2015, 12:17:11 PM
Unless that person has bad credit & you added him/her with their ssn it will go through. You'll get the card in the mail. No worries

Very often. Never is an issue unless
Thanx guys.
Title: Re: Authorized users
Post by: Jm1248 on June 29, 2015, 12:24:13 PM
Thanx guys.
Yw
Title: Re: Authorized users
Post by: Marco Polo on June 30, 2015, 09:57:28 AM
Anyone have Amex tell you that they need SSN or other ID to activate cards recently?
Title: Re: Authorized users
Post by: TimT on June 30, 2015, 10:01:37 AM
Anyone have Amex tell you that they need SSN or other ID to activate cards recently?
Have you tried using it without activating ?
Title: Re: Authorized users
Post by: Marco Polo on June 30, 2015, 10:12:51 AM
Have you tried using it without activating ?
That will be my next step. Though it will be annoying to test out many cards.
Title: Re: Authorized users
Post by: Chapshnell on June 30, 2015, 10:17:50 AM
That will be my next step. Though it will be annoying to test out many cards.

if some AU's work the others will too if its under the same account. However IME you dont need to activate the cards
Title: Re: Authorized users
Post by: TimT on June 30, 2015, 10:18:14 AM
That will be my next step. Though it will be annoying to test out many cards.
I've used cards without activating them.
Title: Re: Authorized users
Post by: Marco Polo on June 30, 2015, 10:18:41 AM
if some AU's work the others will too if its under the same account. However IME you dont need to activate the cards
I'll test out a few cards and see how it goes.
Title: Re: Authorized users
Post by: Chapshnell on June 30, 2015, 10:21:05 AM
the charge will probably go through but you'll get an email to activate it anyways as a reminder.
Title: Re: Authorized users
Post by: benjie1305 on June 30, 2015, 10:26:48 AM
Anyone have Amex tell you that they need SSN or other ID to activate cards recently?

Not to activate. Only for rush shipping. Otherwise nothing was needed.
Title: Re: Authorized users
Post by: Jm1248 on June 30, 2015, 10:51:08 AM
I never activate Amex aus. Never had an issue using them
Title: Re: Authorized users
Post by: noturbizniss on June 30, 2015, 11:11:39 AM
I never activate Amex aus. Never had an issue using them
If you don't activate then you can't get amex offers on them
Title: Re: Authorized users
Post by: TimT on June 30, 2015, 11:15:41 AM
If you don't activate then you can't get amex offers on them
Even through twitter ?
Title: Re: Authorized users
Post by: Marco Polo on June 30, 2015, 11:16:05 AM
Called and was told again that i needed SSN.

Gonna try swiping and see how that goes.
Title: Re: Authorized users
Post by: TimT on June 30, 2015, 11:16:50 AM
Gonna try swiping and see how that goes.
Shouldn't be a problem
Title: Re: Authorized users
Post by: noturbizniss on June 30, 2015, 11:16:54 AM
Even through twitter ?
Not all are through twitter iinm. Besides it's a pita do do downs or hundreds of cards
Title: Re: Authorized users
Post by: TimT on June 30, 2015, 11:18:24 AM
Not all are through twitter iinm.
Correct
Title: Re: Authorized users
Post by: Marco Polo on June 30, 2015, 11:49:23 AM
Swiped one of the cards and it worked.

Can i assume all the cards are usable and are able to be registered for any Amex Offer?
Title: Re: Authorized users
Post by: Emkay on June 30, 2015, 12:01:23 PM
Swiped one of the cards and it worked.

Can i assume all the cards are usable and are able to be registered for any Amex Offer?
I never heard of anyone having an issue
Title: Authorized users
Post by: rileywiles23 on June 30, 2015, 12:09:34 PM
Swiped one of the cards and it worked.

Can i assume all the cards are usable and are able to be registered for any Amex Offer?
How would you register them ? Don't they need an online account to get Amex offers, and ccmiw, they need ssn, and d.o.b to be added online.
Title: Re: Authorized users
Post by: Marco Polo on June 30, 2015, 12:19:24 PM
How would you register them ? Don't they need an online account to get Amex offers, and ccmiw, they need ssn, and d.o.b to be added online.
You can register for Amex Offers with Twitter when available.
Title: Re: Authorized users
Post by: Jm1248 on June 30, 2015, 12:37:16 PM
If you don't activate then you can't get amex offers on them
I just open an online account. I've never had any issues getting offers
Title: Re: Authorized users
Post by: Chapshnell on June 30, 2015, 12:38:18 PM
Swiped one of the cards and it worked.

Can i assume all the cards are usable and are able to be registered for any Amex Offer?

of course!!! where were you when pampers were free???
Title: Re: Authorized users
Post by: noturbizniss on June 30, 2015, 12:38:45 PM
I just open an online account. I've never had any issues getting offers
you can add it to an account without activating?
Title: Re: Authorized users
Post by: Jm1248 on June 30, 2015, 12:39:03 PM
How would you register them ? Don't they need an online account to get Amex offers, and ccmiw, they need ssn, and d.o.b to be added online.
I've opened many accounts without ssn
Title: Re: Authorized users
Post by: Jm1248 on June 30, 2015, 12:39:26 PM
you can add it to an account without activating?
I guess so. I always do
Title: Re: Authorized users
Post by: Marco Polo on June 30, 2015, 12:39:44 PM
of course!!! where were you when pampers were free???
Using all my cards i had at the time. Now i need to get ready for the next one.
Title: Re: Authorized users
Post by: lfas25 on June 30, 2015, 11:08:57 PM
Not all are through twitter iinm. Besides it's a pita do do downs or hundreds of cards
Set up 1 acct per card and use tweetdeck and you are good with 1 tweet! It's a pain to set up, but once you're set up all future tweets are as easy as can be.
Title: Re: Authorized users
Post by: rileywiles23 on July 01, 2015, 07:57:03 AM

Set up 1 acct per card and use tweetdeck and you are good with 1 tweet! It's a pain to set up, but once you're set up all future tweets are as easy as can be.
Even bigger pain, when the Amex offer is not tweetable.
Title: Re: Authorized users
Post by: zemz2005 on July 21, 2015, 04:08:26 PM
is there a consensus regarding creating an online account for an AU without a SSN or DOB? Trying to get the AMEX CHECKOUT deal for the AUs I have on my accounts but dont have the other info handy...
Title: Re: Authorized users
Post by: Jm1248 on July 21, 2015, 04:21:34 PM
is there a consensus regarding creating an online account for an AU without a SSN or DOB? Trying to get the AMEX CHECKOUT deal for the AUs I have on my accounts but dont have the other info handy...
PUTPAC
Title: Re: Authorized users
Post by: joe1234 on July 21, 2015, 05:45:31 PM
does making myself am AU have a bad affect on my credit? also up to how many times can i add myself as an AU on amex cards without raising a red flag?
Title: Re: Authorized users
Post by: Boruch999 on July 21, 2015, 05:56:39 PM
I seem to recall it being mentioned here or on DDMS that to benefit from amex offers you need to create separate online accounts for AUs
with different email addresses.  Why is a different email address for each one necessary?  I have multiple login accounts registered to the same email address and I don't think I've ever had a problem. 
Title: Re: Authorized users
Post by: TimT on July 21, 2015, 06:06:26 PM
I seem to recall it being mentioned here or on DDMS that to benefit from amex offers you need to create separate online accounts for AUs
with different email addresses.  Why is a different email address for each one necessary?  I have multiple login accounts registered to the same email address and I don't think I've ever had a problem.
I don't recall different email addresses being mentioned.
Title: Re: Authorized users
Post by: Boruch999 on July 21, 2015, 06:55:12 PM
I don't recall different email addresses being mentioned.
So in what context was the gmail "." trick mentioned?
Title: Re: Authorized users
Post by: benjie1305 on July 21, 2015, 07:11:28 PM

So in what context was the gmail "." trick mentioned?

In creating twitter accounts.
Title: Re: Authorized users
Post by: Boruch999 on July 21, 2015, 07:13:10 PM
I don't recall different email addresses being mentioned.
In creating twitter accounts.
Thanks!
Title: Re: Authorized users
Post by: joe1234 on July 24, 2015, 11:31:59 AM
does canceling an AU affect his credit as his CL is lower?
Title: Re: Authorized users
Post by: cholent on July 24, 2015, 11:40:21 AM
does canceling an AU affect his credit as his CL is lower?

It should be the same as closing any account
Title: Re: Authorized users
Post by: yitzy93 on July 26, 2015, 11:04:17 AM
When adding AU does the letter arrive in AU's name or primary's name?
Title: Re: Authorized users
Post by: Emkay on July 26, 2015, 11:07:39 AM
When adding AU does the letter arrive in AU's name or primary's name?
AU
Title: Re: Authorized users
Post by: Jm1248 on July 26, 2015, 11:21:16 AM
does making myself am AU have a bad affect on my credit? also up to how many times can i add myself as an AU on amex cards without raising a red flag?
1. Recent reports are that aus in your name are being added to credit report as a new account.
2. Ymmv. Pgfhgs
Title: Re: Authorized users
Post by: DaveInLA on July 26, 2015, 02:48:17 PM
I remember reading there's a max number of AU I can sign up for online before having to call in. Was that number 3? I already have 3 AU for each of my cards and would like to add more but I would like to avoid calling.
Title: Authorized users
Post by: DaveInLA on July 26, 2015, 02:49:59 PM
1. Recent reports are that aus in your name are being added to credit report as a new account.

What are the implications of that? No HP, so it shouldn't matter I'm guessing.
Title: Re: Authorized users
Post by: Boruch999 on July 26, 2015, 02:55:47 PM
I remember reading there's a max number of AU I can sign up for online before having to call in. Was that number 3? I already have 3 AU for each of my cards and would like to add more but I would like to avoid calling.

IME,  you can add up to 5 at one time online.  I've come back months later and successfully added another 5.
Title: Re: Authorized users
Post by: joe1234 on July 26, 2015, 02:58:54 PM
What are the implications of that? No HP, so it shouldn't matter I'm guessing.

is this true?
Title: Re: Authorized users
Post by: cholent on July 26, 2015, 03:02:33 PM
Even without the hp it still decreases the average age of credit
Title: Re: Authorized users
Post by: TimT on July 26, 2015, 03:03:29 PM
I remember reading there's a max number of AU I can sign up for online before having to call in. Was that number 3? I already have 3 AU for each of my cards and would like to add more but I would like to avoid calling.
You could always try more later. Why do you wanna avoid calling ?
Title: Re: Authorized users
Post by: joe1234 on July 26, 2015, 03:11:37 PM
Even without the hp it still decreases the average age of credit

is this the only problem? does it also have an effect regarding getting approved to more cc's since you have new accounts?
Title: Re: Authorized users
Post by: TimT on July 26, 2015, 03:15:36 PM
does it also have an effect regarding getting approved to more cc's since you have new accounts?
You could have issues with chase.
Title: Re: Authorized users
Post by: joe1234 on July 26, 2015, 03:20:57 PM
You could have issues with chase.
what about amex?
Title: Re: Authorized users
Post by: TimT on July 26, 2015, 03:22:47 PM
what about amex?
Shouldn't be an issue.
Title: Re: Authorized users
Post by: DaveInLA on July 26, 2015, 03:24:28 PM
My BCP has 3 AU. The AF just posted and I want to change it to a no-AF card. What will happen to the AUs? Will I automatically get 3 AU cards of the new credit card? Or will I have to apply for AU again?
Title: Re: Authorized users
Post by: Marco Polo on July 26, 2015, 03:36:54 PM
My BCP has 3 AU. The AF just posted and I want to change it to a no-AF card. What will happen to the AUs? Will I automatically get 3 AU cards of the new credit card? Or will I have to apply for AU again?
Thy should send you new AU cards.
Title: Re: Authorized users
Post by: lfas25 on July 26, 2015, 09:42:03 PM
Thy will send you new AU cards.

FTFY / +1
Title: Re: Authorized users
Post by: noturbizniss on July 26, 2015, 09:47:40 PM
I remember reading there's a max number of AU I can sign up for online before having to call in. Was that number 3? I already have 3 AU for each of my cards and would like to add more but I would like to avoid calling.
For amex you can add 5 online then do it immediately again and again
Title: Re: Authorized users
Post by: lfas25 on July 26, 2015, 09:51:03 PM
For amex you can add 5 online then do it immediately again and again

Depends on the card...
I have cards that are 5, 4 & 3 at a time.
Title: Re: Authorized users
Post by: noturbizniss on July 26, 2015, 09:51:45 PM
Depends on the card...
I have cards that are 5, 4 & 3 at a time.
Blue is 4.but point is can rinse and repeat over and over
Title: Re: Authorized users
Post by: puddles on July 28, 2015, 10:28:34 AM
Sorry to ask what is probably a stupid question but I couldn't find it in the Wiki or search.

added 2 AU to my Amex but I made up birthdays since I used my kids names. Is that an issue? Do I need to save the birth-dates I used for later?

Title: Re: Authorized users
Post by: benjie1305 on July 28, 2015, 10:30:41 AM
Do I need to save the birth-dates I used for later?

What does that mean?

Title: Re: Authorized users
Post by: puddles on July 28, 2015, 10:33:30 AM
What does that mean?
Meaning I made up dates when I spoke to the rep on the phone. I wrote it down. Would it ever come to a point where Amex asked me for that info later that I would need to know if offhand?
Title: Re: Authorized users
Post by: Marco Polo on July 28, 2015, 10:35:32 AM
Meaning I made up dates when I spoke to the rep on the phone. I wrote it down. Would it ever come to a point where Amex asked me for that info later that I would need to know if offhand?
Possibly. I know i was asked for info when trying to add AU's to online account.
Title: Re: Authorized users
Post by: puddles on July 28, 2015, 10:36:51 AM
Possibly. I know i was asked for info when trying to add AU's to online account.
Ok, anyway I can get in trouble for this? I assume others do this when adding AU's?
Title: Re: Authorized users
Post by: noturbizniss on July 28, 2015, 10:50:12 AM
Ok, anyway I can get in trouble for this? I assume others do this when adding AU's?
Can you? Sure. Is it fraud? Yup. Will you? unlikely, but no guarantees.
Title: Re: Authorized users
Post by: benjie1305 on July 28, 2015, 10:53:38 AM
Can you? Sure. Is it fraud? Yup. Will you? unlikely, but no guarantees.

It does seem to be common practice for many but that people have to ask if that could be an issue does boggle my mind at times.
Title: Re: Authorized users
Post by: puddles on July 28, 2015, 10:55:32 AM
It does seem to be common practice for many but that people have to ask if that could be an issue does boggle my mind at times.
Happy I was able to boggle your mind.
Title: Re: Authorized users
Post by: puddles on July 28, 2015, 11:31:53 AM
Can you? Sure. Is it fraud? Yup. Will you? unlikely, but no guarantees.
On that note, I did not realize its a bigger issue. I thought this was common practice. Should I call up and cancel the request or just leave it alone?
Title: Re: Authorized users
Post by: Jm1248 on July 28, 2015, 11:55:12 AM
On that note, I did not realize its a bigger issue. I thought this was common practice. Should I call up and cancel the request or just leave it alone?
I don't think you need to worry about getting in trouble for it. That being said, it would be better to just add more au's in the same names than use different names and make up bdays
Title: Re: Authorized users
Post by: joe1234 on July 28, 2015, 02:53:20 PM
if i add my wife as an AU to my amex gold, can she still get the 50k signup bonus for herself?
Title: Re: Authorized users
Post by: TimT on July 28, 2015, 02:54:41 PM
if i add my wife as an AU to my amex gold, can she still get the 50k signup bonus for herself?
yes
Title: Re: Authorized users
Post by: E-MAN on July 30, 2015, 06:07:36 PM
Sorry, but I don't have time to read through the whole thread and wiki doesn't have much information.
If I add AUs over the phone do I need to add a SSN to activate the card or no SSN is ever required?
Title: Re: Authorized users
Post by: TimT on July 30, 2015, 06:52:48 PM
Sorry, but I don't have time to read through the whole thread and wiki doesn't have much information.
If I add AUs over the phone do I need to add a SSN to activate the card or no SSN is ever required?
You could use it without activating it but you're probably gonna have issues trying to add it to an online account.
Title: Re: Authorized users
Post by: E-MAN on July 31, 2015, 12:51:23 PM
You could use it without activating it but you're probably gonna have issues trying to add it to an online account.
So you must add a SSN to activate?
Title: Re: Authorized users
Post by: Jm1248 on July 31, 2015, 01:37:23 PM
So you must add a SSN to activate?
Or PUTPAC. Phone reps will usually allow you to do it without ssn. I think someone reported success via chat as well
Title: Re: Authorized users
Post by: E-MAN on July 31, 2015, 02:23:54 PM
Or PUTPAC. Phone reps will usually allow you to do it without ssn. I think someone reported success via chat as well
Aha, when I called to get the AU cards yesterday, I was told the "employees" would need to provide SSN and DOB when activating
Title: Re: Authorized users
Post by: Jm1248 on July 31, 2015, 02:46:39 PM
Aha, when I called to get the AU cards yesterday, I was told the "employees" would need to provide SSN and DOB when activating
Yea occasionally that happens. Just huca
Title: Re: Authorized users
Post by: yoshapman on July 31, 2015, 03:33:16 PM
Signed up for 3 real people but had my names on the cards. When they came I couldn't tell whose was whose and the rep said it showed my name for each one, so to use my social and DOB for each one to activate. Did that, and finally when I actually signed up for online access, it told me whose was whose, but only right when I got the access (and I wrote it down). After, it shows me again. Very strange. So now I have 4 cards on my account with my name, social and DOB. All reps said no issues with doing that. I asked online and on phone.
Title: Re: Authorized users
Post by: E-MAN on July 31, 2015, 03:42:44 PM
Yea occasionally that happens. Just huca
So HUCA when activating?
Title: Re: Authorized users
Post by: Jm1248 on July 31, 2015, 03:46:16 PM
So HUCA when activating?
Doesn't need to be activated for use. Huca when making online account
Title: Re: Authorized users
Post by: Mendylab on July 31, 2015, 07:46:00 PM
Doesn't need to be activated for use. Huca when making online account

last week i got 5 cards activated by chat, now a week later they refuse to do it with out ssn, tried a few people.
Title: Re: Authorized users
Post by: Chapshnell on August 01, 2015, 08:47:27 PM
Just curious, why do you need them activated?
Title: Re: Authorized users
Post by: TimT on August 01, 2015, 10:19:46 PM
Just curious, why do you need them activated?
When I try setting it up for online login I get a message to call to activate.
Title: Re: Authorized users
Post by: Jm1248 on August 01, 2015, 10:56:32 PM
last week i got 5 cards activated by chat, now a week later they refuse to do it with out ssn, tried a few people.
Still works. It did seem to get a bit harder to do but but still works. Once you find a rep who will do it just run with it. I had to huca a whole bunch of times last week (which I never had to do before) but eventually a rep was willing to do it and I did about 10 accounts
Title: Re: Authorized users
Post by: Jm1248 on August 01, 2015, 10:58:59 PM
Just curious, why do you need them activated?
When I try setting it up for online login I get a message to call to activate.
It's not about aciviating the cards per se - they work without activation. It's about setting up for online login. I wonder if the reason it (seemingly) became tougher was because of all the talk about it the past few weeks & the fact that so much more people are probably doing this now
Title: Re: Authorized users
Post by: lyla on August 09, 2015, 11:58:00 PM
What is the credit report downside of adding yourself as an authorized user for all your amex cards? Will they be listed/reported as new accounts on you report?
I got turned down by chase last month for a SP and BA card because I opened too many ccs in the last 2 years (not with chase) even though my cs is 832.
Title: Re: Authorized users
Post by: noturbizniss on August 10, 2015, 04:02:22 AM
What is the credit report downside of adding yourself as an authorized user for all your amex cards? Will they be listed/reported as new accounts on you report?
I got turned down by chase last month for a SP and BA card because I opened too many ccs in the last 2 years (not with chase) even though my cs is 832.
Lowers AAOA. you can dispute au accounts and have them removed though.
Title: Re: Authorized users
Post by: lyla on August 10, 2015, 06:25:12 AM
Lowers AAOA. you can dispute au accounts and have them removed though.
But will it be reported as a new account opening?
Title: Re: Authorized users
Post by: benjie1305 on August 10, 2015, 08:13:50 AM
But will it be reported as a new account opening?

Yes.
Title: Re: Authorized users
Post by: noturbizniss on August 10, 2015, 12:48:54 PM
But will it be reported as a new account opening?
If you have it removed then it does not show as new account cuz it's removed.  Also, it does show as an AU account which the banks do recognize as being different from a primary account.
Title: Re: Authorized users
Post by: Luvtotravel on August 10, 2015, 01:54:47 PM
a added two aus on my starwwod amex over the phone and provided dob and ssn since i would like to build their credit. i got letter that one of them was not approved. since when do aus get their credit checked?
Title: Re: Authorized users
Post by: DMYD on August 10, 2015, 02:01:57 PM
a added two aus on my starwwod amex over the phone and provided dob and ssn since i would like to build their credit. i got letter that one of them was not approved. since when do aus get their credit checked?
Yup always been that way,
Title: Re: Authorized users
Post by: Luvtotravel on August 10, 2015, 02:04:10 PM
so whats the solution for someone with low credit, to build their credit? maybe this is the wrong thread...
Title: Re: Authorized users
Post by: DMYD on August 10, 2015, 02:29:36 PM
This is the correct thread http://forums.dansdeals.com/index.php?topic=266.0
Title: Re: Authorized users
Post by: 12HRS on August 10, 2015, 03:01:54 PM
Yup always been that way,

hard pull?
Title: Re: Authorized users
Post by: D93 on August 10, 2015, 03:05:48 PM
hard pull?
No
Title: Re: Authorized users
Post by: SimchaCC on August 10, 2015, 11:27:47 PM
I got turned down by chase last month for a SP and BA card because I opened too many ccs in the last 2 years (not with chase) even though my cs is 832.
New chase policy, won't approve for UR cards if you've opened 5 cards - any banks - in the last 2 years.
Title: Re: Authorized users
Post by: SimchaCC on August 10, 2015, 11:30:21 PM
Still works. It did seem to get a bit harder to do but but still works. Once you find a rep who will do it just run with it. I had to huca a whole bunch of times last week (which I never had to do before) but eventually a rep was willing to do it and I did about 10 accounts
I just let the automated system go through asking me for DOB and SSN, don't put in any info, and after being prompted a few times for each, it says that the card is activated
Title: Re: Authorized users
Post by: askmoses on August 11, 2015, 07:00:41 AM
I just let the automated system go through asking me for DOB and SSN, don't put in any info, and after being prompted a few times for each, it says that the card is activated
IME that in no way means you will therefore be able to create it's own online login.
Title: Re: Authorized users
Post by: SimchaCC on August 11, 2015, 05:04:47 PM
IME that in no way means you will therefore be able to create it's own online login.
I did it successfully for multiple cards.
Title: Re: Authorized users
Post by: askmoses on August 11, 2015, 08:22:43 PM
I did it successfully for multiple cards.
I did it successfully for multiple cards. I was also unsuccessful on multiple cards and only resolved the issue after multiple lengthy calls/HUCA to have a rep set it up online for me.
Title: Re: Authorized users
Post by: noturbizniss on August 14, 2015, 02:28:34 PM
While removing 90 AU's from my report raised my average age of cards it also lowered my credit by like 500K (since each card was counting towards the total limit).
Title: Re: Authorized users
Post by: TimT on August 14, 2015, 02:30:11 PM
While removing 90 AU's from my report raised my average age of cards it also lowered my credit by like 500K (since each card was counting towards the total limit).
Any change in score ?
Title: Re: Authorized users
Post by: noturbizniss on August 14, 2015, 02:31:28 PM
Any change in score ?
Like 20 points down but I imagine that's cuz i have some hefty utilization.
Title: Re: Authorized users
Post by: TimT on August 14, 2015, 02:34:27 PM
Like 20 points down but I imagine that's cuz i have some hefty utilization.
Lowering the CL didn't affect the score ?
Title: Re: Authorized users
Post by: noturbizniss on August 14, 2015, 02:36:03 PM
Lowering the CL didn't affect the score ?
It was overall limit not on any one card. Also AAOA tripled or so
Title: Re: Authorized users
Post by: DaveInLA on August 17, 2015, 06:17:02 PM
Anybody with experience logging in a AU account to buy AMEX gift cards? I wanted to get 3 mo free shipping trial but since I've had the free shipping plan on my main account login before, there's no trial option. But when I log in to an AU account, free shipping trial is available. The credit card I want to use (SPG biz) isn't the same as the login I will use (Blue). I don't have any AU for SPG yet. Any reason I might run into problems?
Title: Re: Authorized users
Post by: D93 on August 17, 2015, 06:19:04 PM
Anybody with experience logging in a AU account to buy AMEX gift cards? I wanted to get 3 mo free shipping trial but since I've had the free shipping plan on my main account login before, there's no trial option. But when I log in to an AU account, free shipping trial is available. The credit card I want to use (SPG biz) isn't the same as the login I will use (Blue). I don't have any AU for SPG yet. Any reason I might run into problems?
You can use a credit card that's not on file, it's not an issue.
Title: Re: Authorized users
Post by: Marco Polo on August 17, 2015, 11:02:28 PM
Anybody with experience logging in a AU account to buy AMEX gift cards? I wanted to get 3 mo free shipping trial but since I've had the free shipping plan on my main account login before, there's no trial option. But when I log in to an AU account, free shipping trial is available. The credit card I want to use (SPG biz) isn't the same as the login I will use (Blue). I don't have any AU for SPG yet. Any reason I might run into problems?
You can look at personalized cards. That may trigger the three months.
Title: Re: Authorized users
Post by: DaveInLA on August 18, 2015, 11:43:52 AM
What are the practical differences between a AU for personal card, vs employee card for Business AMEX? Applying for AU on my personal AMEX was easy, but when I try to create an employee card for my business card, it's a little different and says I'll have to give employee DOB and SSN for activation. Not a huge deal, but new to me. I know being an AU does affect your total CL and credit usage; I assume having a business employee card does not?
Title: Re: Authorized users
Post by: DaveInLA on August 18, 2015, 11:45:58 AM
You can look at personalized cards. That may trigger the three months.

I did look at personalized cards with my main login-- there was no 3 mo trial. But when I logged in with an AU account, it was there.
Title: Re: Authorized users
Post by: solls108 on August 20, 2015, 03:53:09 PM
Is it ok to add an AU with his/her nickname or does it have to be a legal name?
Title: Re: Authorized users
Post by: Marco Polo on August 20, 2015, 03:53:53 PM
Is it ok to add an AU with his/her nickname or does it have to be a legal name?
Should be fine, as long as DOB and SSN are the same.
Title: Re: Authorized users
Post by: username on August 20, 2015, 03:54:34 PM
Is it ok to add an AU with his/her nickname or does it have to be a legal name?

any name works. even without DOB and SS#
Title: Re: Authorized users
Post by: TimT on August 20, 2015, 03:58:25 PM
any name works. even without DOB and SS#
As we saw from the pics posted last year. :)
Title: Re: Authorized users
Post by: solls108 on August 20, 2015, 03:59:03 PM
As we saw from the pics posted last year. :)
Doesnt mean it is legal/allowed :)
Title: Re: Authorized users
Post by: TimT on August 20, 2015, 04:00:00 PM
and its totally ok to use those, correct?I didnt have SSN or DOB on me so I asked them if I can make the DOB up and we were going back and forth. He couldnt say "yes" on the phone, that I can make it up but inferred that I can.
You asked the rep if you could make one up ? Don't do that
Title: Re: Authorized users
Post by: benjie1305 on August 20, 2015, 04:00:11 PM
Doesnt mean it is legal/allowed :)

Legal/Allowed? Got to be a joke right?
Title: Re: Authorized users
Post by: benjie1305 on August 20, 2015, 04:02:47 PM
and its totally ok to use those, correct?I didnt have SSN or DOB on me so I asked them if I can make the DOB up and we were going back and forth. He couldnt say "yes" on the phone, that I can make it up but inferred that I can.

(http://i.imgur.com/a4uo7WF.gif)
Title: Re: Authorized users
Post by: solls108 on August 20, 2015, 04:05:04 PM
You asked the rep if you could make one up ? Don't do that
You live and you learn. Thanks! Meanwhile, have all my AUs
Title: Re: Authorized users
Post by: noturbizniss on August 20, 2015, 04:07:07 PM
You live and you learn. Thanks! Meanwhile, have all my AUs
you've been a member here for over a year and you thought it smart to ASK if you can MAKE UP INFORMATION????
Title: Re: Authorized users
Post by: solls108 on August 20, 2015, 04:08:40 PM
you've been a member here for over a year and you thought it smart to ASK if you can MAKE UP INFORMATION????
Being a member does not equate to how active someone is, but you are correct, should have known.
Title: Re: Authorized users
Post by: solls108 on August 20, 2015, 04:08:59 PM
In any event, how is the weather outside? :)
Title: Re: Authorized users
Post by: noturbizniss on August 20, 2015, 04:10:14 PM
Being a member does not equate to how active someone is, but you are correct, should have known.
797 posts?
Title: Re: Authorized users
Post by: TimT on August 20, 2015, 04:10:27 PM
You live and you learn. Thanks! Meanwhile, have all my AUs
Intentionally falsifying information is a crime. Don't advertise it. And certainly don't ask the bank if you could.
Title: Re: Authorized users
Post by: benjie1305 on August 20, 2015, 04:11:33 PM
Intentionally falsifying information is a crime. Don't advertise it. And certainly don't ask the bank if you could.

Doesn't need DDF or X-amount of posts for that to make perfect sense.
Title: Re: Authorized users
Post by: Yhgfkj on August 20, 2015, 04:27:44 PM
As we saw from the pics posted last year. :)
link ?
Title: Re: Authorized users
Post by: TimT on August 20, 2015, 04:29:14 PM
link ?
They were taken off.
Title: Re: Authorized users
Post by: Marco Polo on August 21, 2015, 10:08:27 AM
Anyone have issues getting an Amex card when being on AU on multiple cards?
Title: Re: Authorized users
Post by: TimT on August 21, 2015, 10:11:40 AM
Anyone have issues getting an Amex card when being on AU on multiple cards?
People have issues getting a chase card. I haven't heard of issues with amex. That's what recon told you ?
Title: Re: Authorized users
Post by: Marco Polo on August 21, 2015, 10:22:07 AM
People have issues getting a chase card. I haven't heard of issues with amex. That's what recon told you ?
I haven't tried, just wondering if anyone else has and what the experience was.
Title: Re: Authorized users
Post by: TimT on August 21, 2015, 10:24:36 AM
I haven't tried, just wondering if anyone else has and what the experience was.
I never had an issue
Title: Re: Authorized users
Post by: Jm1248 on August 21, 2015, 10:53:44 AM
Anyone have issues getting an Amex card when being on AU on multiple cards?
I got approved for 3 Amex cards and the got f/r'ed so I tried opening a few new cards with chase and they wouldn't even reconsider the applications due to too many open cards which were mostly aus. Seems like Amex doesn't care but there is absolutely nothing to be done with chase (aside from getting all those aus off your cr within the 30 day recon time frame)
Title: Re: Authorized users
Post by: TimT on August 21, 2015, 10:55:05 AM
I got approved for 3 Amex cards and the got f/r'ed so I tried opening a few new cards with chase and they wouldn't even reconsider the applications due to too many open cards which were mostly aus. Seems like Amex doesn't care but there is absolutely nothing to be done with chase (aside from getting all those aus off your cr within the 30 day recon time frame)
But the f/r had nothing to do with the au's, correct ?
Title: Re: Authorized users
Post by: Marco Polo on August 21, 2015, 10:55:29 AM
I got approved for 3 Amex cards and the got f/r'ed so I tried opening a few new cards with chase and they wouldn't even reconsider the applications due to too many open cards which were mostly aus. Seems like Amex doesn't care but there is absolutely nothing to be done with chase (aside from getting all those aus off your cr within the 30 day recon time frame)
Did the F/R have anything to do with being an AU on cards?
Title: Re: Authorized users
Post by: Jm1248 on August 21, 2015, 10:55:45 AM
But the f/r had nothing to do with the au's, correct ?
Right
Title: Re: Authorized users
Post by: Marco Polo on August 21, 2015, 10:56:45 AM
I want one of my AU's to apply for a couple of cards, but since they are an AU on all my cards and i haven't gotten the accounts removed yet, i don't want to potentially mess up an AOR for them.
Title: Re: Authorized users
Post by: Jm1248 on August 21, 2015, 10:57:20 AM
Did the F/R have anything to do with being an AU on cards?
They did ask about the aus once I got fr'ed but the fr was triggered by too large of a purchase on too new of a card
Title: Re: Authorized users
Post by: Marco Polo on August 21, 2015, 10:57:53 AM
They did ask about the aus once I got fr'ed but the fr was triggered by too large of a purchase on too new of a card
Thanks.
Title: Re: Authorized users
Post by: Jm1248 on August 21, 2015, 10:58:12 AM
I want one of my AU's to apply for a couple of cards, but since they are an AU on all my cards and i haven't gotten the accounts removed yet, i don't want to potentially mess up an AOR for them.
Maybe just leave chase out of the aor?
Title: Re: Authorized users
Post by: TimT on August 21, 2015, 10:58:48 AM
I want one of my AU's to apply for a couple of cards, but since they are an AU on all my cards and i haven't gotten the accounts removed yet, i don't want to potentially mess up an AOR for them.
If it involves chase you might wanna get the accounts removed first.
Title: Re: Authorized users
Post by: Marco Polo on August 21, 2015, 10:59:42 AM
Didn't mean to write AOR, rather MBM. Only planning Amex apps.
Title: Re: Authorized users
Post by: Jm1248 on August 21, 2015, 11:00:11 AM
Didn't mean to write AOR, rather MBM. Only planning Amex apps.
Oh so you should be fine IME. Good luck!
Title: Re: Authorized users
Post by: TimT on August 21, 2015, 11:00:46 AM
Didn't mean to write AOR, rather MBM. Only planning Amex apps.
I don't recall seeing reported issues with amex.
Title: Re: Authorized users
Post by: Boruch999 on August 22, 2015, 05:09:46 PM
I noticed some amex AUs pop up on my CR last week and disputed online (saying that they are AUs of accounts already on the CR.)  A week later it still says " being investigated."  How long does it take?
Title: Re: Authorized users
Post by: noturbizniss on August 22, 2015, 09:35:25 PM
I noticed some amex AUs pop up on my CR last week and disputed online (saying that they are AUs of accounts already on the CR.)  A week later it still says " being investigated."  How long does it take?
Max of 30 days
What reason did you put? Lemme know what happens cuz I did it over the phone.
 
Title: Re: Authorized users
Post by: Freddie on August 22, 2015, 10:08:44 PM
Hey, guys, can you help?

Which card can I put my 14 year old daughter on as an AU that will have no foreign exchange fees? Such a thing exist?
Title: Re: Authorized users
Post by: snapit on August 22, 2015, 10:18:22 PM


Hey, guys, can you help?

Which card can I put my 14 year old daughter on as an AU that will have no foreign exchange fees? Such a thing exist?

United? Spg? Pretty sure spg just changed to no foreign transaction fees
Title: Re: Authorized users
Post by: David Smith on August 22, 2015, 10:18:25 PM
Hey, guys, can you help?

Which card can I put my 14 year old daughter on as an AU that will have no foreign exchange fees? Such a thing exist?
CSP, and many others, no?
Title: Re: Authorized users
Post by: lfas25 on August 22, 2015, 10:20:56 PM

United? Spg? Pretty sure spg just changed to no foreign transaction fees
They did,  question is if he let's them know that she is 14 years old.
Title: Re: Authorized users
Post by: David Smith on August 22, 2015, 10:24:57 PM
They did,  question is if he let's them know that she is 14 years old.
You don't have to give ssn for most personal cards. They don't confirm identity. I didn't give even for my inks, which officially require.
Title: Re: Authorized users
Post by: Freddie on August 22, 2015, 10:35:32 PM
If I can do SPG that's great (just thinking ahead to SBS) but Amex won't give me a hard time about her age? I know DROPR but Amex told me before that an AU has to be 15 yrs old.
Title: Re: Authorized users
Post by: TimT on August 22, 2015, 10:37:00 PM
If you tell them she's 14 you'll have a hard time.
Title: Re: Authorized users
Post by: Freddie on August 22, 2015, 10:38:38 PM
Okay, so how do I get an AU card for her without providing a DOB?
Title: Re: Authorized users
Post by: lfas25 on August 22, 2015, 10:40:16 PM
Okay, so how do I get an AU card for her without providing a DOB?
Say you don't know it, but it is something like xyz and by mistake be off a year or so
Title: Re: Authorized users
Post by: Freddie on August 22, 2015, 10:41:22 PM
That's easy. I say my kids' English birthdays wrong all the time without even trying.
Title: Re: Authorized users
Post by: Freddie on August 23, 2015, 12:20:49 AM
Update: Citi lets you add AUs online without entering any DOB or nothing.
Title: Re: Authorized users
Post by: noturbizniss on August 23, 2015, 01:40:29 AM
Update: Citi lets you add AUs online without entering any DOB or nothing.
I think amex business cards don't ask for dob. Definitely not ssn. Maybe biz spg?
Title: Re: Authorized users
Post by: Luvtotravel on August 23, 2015, 03:11:29 AM
what happens if dont add dob and ssn for an au and a while later when i add it, amex doesnt like their credit? do they get kicked off as au?
Title: Re: Authorized users
Post by: Boruch999 on August 23, 2015, 12:43:59 PM

What reason did you put?
I noticed some amex AUs pop up on my CR last week and disputed online (saying that they are AUs of accounts already on the CR.)  A week later it still says " being investigated."  How long does it take?
Title: Re: Authorized users
Post by: Ydad on August 23, 2015, 01:36:48 PM

I think amex business cards don't ask for dob. Definitely not ssn. Maybe biz spg?
Online or phone?
Title: Re: Authorized users
Post by: noturbizniss on August 23, 2015, 01:37:44 PM
Online or phone?
Online
Title: Re: Authorized users
Post by: Ydad on August 23, 2015, 02:25:22 PM
I tried to add a card to my amex biz account online and it says I need to call. Any way around?
Title: Re: Authorized users
Post by: DMYD on August 23, 2015, 02:28:10 PM
I tried to add a card to my amex biz account online and it says I need to call. Any way around?
Did you try chatting?
Title: Re: Authorized users
Post by: Ydad on August 23, 2015, 02:30:07 PM

Did you try chatting?
Figured it out. For some reason they were giving me small business card info. I got it now.
Title: Re: Authorized users
Post by: Marco Polo on August 23, 2015, 05:35:38 PM
Online or phone?
Definitely online, can probably push it off on the phone as well.
Title: Re: Authorized users
Post by: Ydad on August 23, 2015, 06:37:45 PM
Definitely online, can probably push it off on the phone as well.
By phone I knew it's possible. Question was online, personal is impossible without DOB and SSN.
Title: Re: Authorized users
Post by: Marco Polo on August 23, 2015, 06:38:22 PM
By phone I knew it's possible. Question was online, personal is impossible without DOB and SSN.
Well it is possible for business.
Title: Re: Authorized users
Post by: Ydad on August 23, 2015, 06:45:45 PM
Well it is possible for business.
Thank you. Will I need the info to set up online accounts? (Aka amex checkout... )
Title: Re: Authorized users
Post by: TimT on August 23, 2015, 06:48:26 PM
Thank you. Will I need the info to set up online accounts? (Aka amex checkout... )
YMMV. Or a rep that'll do it for you.
Title: Re: Authorized users
Post by: Ydad on August 23, 2015, 07:27:12 PM

YMMV. Or a rep that'll do it for you.
Thanx
Title: Re: Authorized users
Post by: Marco Polo on August 23, 2015, 08:35:20 PM
Thank you. Will I need the info to set up online accounts? (Aka amex checkout... )
Very YMMV. I had lots of issues when they didn't add all the information to each card. Cards with all the info added right away.
Title: Re: Authorized users
Post by: E-MAN on August 23, 2015, 10:49:12 PM
Figured it out. For some reason they were giving me small business card info. I got it now.
I had same thing. How did you activate online without providing ssn and dob?
Title: Re: Authorized users
Post by: Ydad on August 23, 2015, 10:59:51 PM
I had same thing. How did you activate online without providing ssn and dob?
From past experience I don't think you can. Do it over the phone or leave them unactivated. Cards work 
Title: Re: Authorized users
Post by: newdanfan on August 24, 2015, 12:25:46 PM
I just dug down into my Experian Report, and for open Amex cards, I am an AU on 8 cards.  On my wife's Amex account, I am an AU on 2 personal and 3 business cards. On my Amex account I am an AU on 2 personal and 3 business, although the AU on 1 personal is from a few days ago. Regardless of how it works, I am an AU more than 1 time and more than 1 card, but it is not showing up a crazy amount of times. So it might show on your report, but not more than 1x per card account.

Want to clarify this.  Is this still correct that if I add myself 10 times on the same card as an authorized user, with my social, it will only show up once on my credit report?
Title: Re: Authorized users
Post by: newdanfan on August 24, 2015, 12:34:55 PM
Also want to clarify how I remove secondary users (under my own name) from my Amex account, and that doing this will remove it from my credit report completely, as if I didn't get this new card at all.
Title: Re: Authorized users
Post by: noturbizniss on August 24, 2015, 01:11:32 PM
Want to clarify this.  Is this still correct that if I add myself 10 times on the same card as an authorized user, with my social, it will only show up once on my credit report?
No, they will show up ten times. You need dipute to remove
Title: Re: Authorized users
Post by: Jm1248 on August 24, 2015, 01:35:27 PM
Also want to clarify how I remove secondary users (under my own name) from my Amex account, and that doing this will remove it from my credit report completely, as if I didn't get this new card at all.
No, they will show up ten times. You need dipute to remove
First remove with Amex then dispute with credit bureau
Title: Re: Authorized users
Post by: newdanfan on August 24, 2015, 01:40:03 PM
No, they will show up ten times. You need dipute to remove

This changed from when you posted last time that they only added it once per card?
Title: Re: Authorized users
Post by: noturbizniss on August 24, 2015, 01:43:06 PM
This changed from when you posted last time that they only added it once per card?
Yes
First remove with Amex then dispute with credit bureau
-1.i still have all my amex AUs but had them removed from credit report
Title: Re: Authorized users
Post by: Jm1248 on August 24, 2015, 01:46:38 PM
i still have all my amex AUs but had them removed from credit report
They don't get re-reported by Amex next billing cycle if you already had them removed? Dropr but I was told they would show up again
Title: Re: Authorized users
Post by: noturbizniss on August 24, 2015, 08:02:10 PM
Just got a bunch of new Amex Biz SPG AU cards, and in order to activate them you must call in and enter ssn and dob. Cannot be done online apparently (at least for this batch of cards). Major PITA.
Title: Re: Authorized users
Post by: newdanfan on August 24, 2015, 08:16:54 PM
Yes-1.i still have all my amex AUs but had them removed from credit report

Can you please clarify how I can get them removed from my credit report?
Title: Re: Authorized users
Post by: noturbizniss on August 24, 2015, 08:44:23 PM
Can you please clarify how I can get them removed from my credit report?







Or you call the three bureaus like I did and tell them as an AU you are not financially liable for the account and therefore it should not be on your credit report at all and be removed. And it will be.



Even if its your own name & ssn ?


Affirmative. Out of 97 or so on experian I have maybe ten left. Don't really know why. Tu removed all, and still waiting on EQ. They never saw anything bait associated primary accounts. I just said as an AU I'm not responsible.
Search for [cb] dispute phone number. Helps to have a recent credit report to re&eremce



They don't care whose account t it is just that it says au. Some were my own primary some were my wife's
[/quote
Title: Re: Authorized users
Post by: DaveInLA on August 24, 2015, 11:02:54 PM
What are the problems with having AU show up on your credit report? Is it because it increases total CL? Too many "new" apps, thus lowering AAoA?
Title: Re: Authorized users
Post by: Ydad on August 24, 2015, 11:05:51 PM
Just got a bunch of new Amex Biz SPG AU cards, and in order to activate them you must call in and enter ssn and dob. Cannot be done online apparently (at least for this batch of cards). Major PITA.
IME the primary cardholder can call and activate the cards using his SSN and DOB.
Title: Re: Authorized users
Post by: Ydad on August 24, 2015, 11:10:09 PM
What are the problems with having AU show up on your credit report? Is it because it increases total CL? Too many "new" apps, thus lowering AAoA?
Average credit length becomes younger. And some banks will refuse apps because of too many recently opened accounts
Title: Re: Authorized users
Post by: TimT on August 24, 2015, 11:13:37 PM
What are the problems with having AU show up on your credit report? Is it because it increases total CL? Too many "new" apps, thus lowering AAoA?
Chase has been refusing people new cards because of too many new cards, including au's.
Title: Re: Authorized users
Post by: DaveInLA on August 25, 2015, 02:01:32 AM

Average credit length becomes younger. And some banks will refuse apps because of too many recently opened accounts

Yeah, that's what I figured. Just wanted to make sure I wasn't missing anything else.
Title: Re: Authorized users
Post by: E-MAN on August 25, 2015, 10:15:37 AM
When you call up to activate without SSN and DOB what do you tell them when asked for the SSN and DOB? Just that you don't have it?
Title: Re: Authorized users
Post by: TimT on August 25, 2015, 10:17:52 AM
When you call up to activate without SSN and DOB what do you tell them when asked for the SSN and DOB? Just that you don't have it?
At least for the ssn. Try to remember the dob
Title: Re: Authorized users
Post by: benjie1305 on August 25, 2015, 10:18:17 AM
When you call up to activate without SSN and DOB what do you tell them when asked for the SSN and DOB? Just that you don't have it?

You will have a very hard (if not impossible) time activating personal AUs without SSN and DOB.
Title: Re: Authorized users
Post by: Joe4007 on August 25, 2015, 12:13:38 PM
A friend of mine returning from vacation in South Florida with his wife and kids was detained and questioned for 6 hours in one of the South Florida airports by the local authorities, because TSA found 200+ AU cards in his checked bag (I guess they randomly opened his bag or they can see it through X-ray?). To make matters worse, they mistakenly entered his driver's license # wrong. Seeing that he's not in the system, they were sure they caught some big time identity thief.  He tried explaining all the shtick to them and that he brought all the cards along as he wanted to catch up with the express checkout credits (to which the detective responded: is that what you do on vacation with your wife? :-[).

Luckily, other family members were still in South Florida for a couple more days, so they came to pick up his kids and arranged for a lawyer to come down ASAP. By the time the lawyer got there some other officer was already on shift and was much more willing to work with him. He explained his story again and they were willing to let him go without an arrest. However, they asked for affidavits from all the people that he used as AU's stating that they allowed him to use their names as AU's to his accounts (He didn't use bogus names, but rather names and DOB's of friends and family).

He's now trying to convince them that they should let it go without the affidavits since AU's are quite meaningless. He had his lawyer relay the following screenshots from Amex chat and is waiting for a response.

(http://i.imgur.com/ioVOgz7.jpg?1)
(http://i.imgur.com/fiZCm4y.jpg?1)
(http://i.imgur.com/9wDKwTo.jpg?1)


P.S. On a positive note, the airline notated his tickets and since he wasn't actually charged with anything, they rescheduled him for the next day free of charge.

Anyone have any ideas that might help him out?
Title: Re: Authorized users
Post by: Marco Polo on August 25, 2015, 12:15:43 PM
If that screenshot doesn't help, nit sure what would.

Either way, lesson that people should only add real names and the people know about it.
Title: Re: Authorized users
Post by: benjie1305 on August 25, 2015, 12:20:16 PM
Oy. That sucks. Hope it gets resolved and I agree that one should only add people that agree to this and are real. Or at least dont travel with ones that are made up.  ::)
Title: Re: Authorized users
Post by: noturbizniss on August 25, 2015, 12:23:29 PM
Among many other reasons, that's why I have a spreadsheet with all my card numbers, names, expiration, cvv, etc that I keep on dropbox. Besides for being a PITA to lug around.

(http://40.media.tumblr.com/tumblr_m0f7r0LzyW1qeablwo1_1280.jpg)
Title: Re: Authorized users
Post by: benjie1305 on August 25, 2015, 12:27:12 PM
Among many other reasons, that's why I have a spreadsheet with all my card numbers, names, expiration, cvv, etc that I keep on dropbox. Besides for being a PITA to lug around.

(http://40.media.tumblr.com/tumblr_m0f7r0LzyW1qeablwo1_1280.jpg)

+1

I use google docs. Why does everyone use dropbox?
Title: Re: Authorized users
Post by: E-MAN on August 25, 2015, 12:39:05 PM
Either way, lesson that people should only add real names and the people know about it.
You have that many people let you use their information to add as AU?
Title: Re: Authorized users
Post by: Emkay on August 25, 2015, 12:43:51 PM
You have that many people let you use their information to add as AU?
No limit of one per person
Title: Re: Authorized users
Post by: noturbizniss on August 25, 2015, 12:44:04 PM
+1

I use google docs. Why does everyone use dropbox?
I actually email it back and forth cuz damn work blocks all the storage stuff (carbonite, dropbox, google docs)
Title: Re: Authorized users
Post by: lfas25 on August 25, 2015, 01:55:24 PM
Among many other reasons, that's why I have a spreadsheet with all my card numbers, names, expiration, cvv, etc that I keep on dropbox. Besides for being a PITA to lug around.

(http://40.media.tumblr.com/tumblr_m0f7r0LzyW1qeablwo1_1280.jpg)
+1
Actually in middle of updating with my 40 AU's that arrived yesterday
Title: Re: Authorized users
Post by: JoeCha on August 25, 2015, 02:59:33 PM
(to which the detective responded: is that what you do on vacation with your wife? :-[).



 :-[ :-[
Title: Re: Authorized users
Post by: EJB on August 25, 2015, 04:23:24 PM
I wouldn't put full cc#s w security codes on the web
Title: Re: Authorized users
Post by: MoGro17 on August 25, 2015, 04:26:41 PM
+1
Title: Re: Authorized users
Post by: Mountain Man on August 25, 2015, 06:44:31 PM
No limit of one per person
+1
Title: Re: Authorized users
Post by: mommy of two on August 26, 2015, 11:27:22 PM
Hi, can someone tell me if a person is added as an au on a card does that mean that they cant get the bonus on the card if they apply for it as a primary cardholder? TIA!
Title: Re: Authorized users
Post by: TimT on August 26, 2015, 11:29:39 PM
Hi, can someone tell me if a person is added as an au on a card does that mean that they cant get the bonus on the card if they apply for it as a primary cardholder? TIA!
You will still get the bonus
Title: Re: Authorized users
Post by: mommy of two on August 26, 2015, 11:48:26 PM
You will still get the bonus
Thank you! and do au's get the bonus when sent the card or only the primary cardholder when they rcvd it?
Title: Re: Authorized users
Post by: TimT on August 26, 2015, 11:49:36 PM
Thank you! and do au's get the bonus when sent the card or only the primary cardholder when they rcvd it?
The signup bonus is for the primary after he completes the spend requirement.
Title: Re: Authorized users
Post by: mommy of two on August 26, 2015, 11:58:32 PM
The signup bonus is for the primary after he completes the spend requirement.
Thank you again!
Title: Re: Authorized users
Post by: TimT on August 26, 2015, 11:59:45 PM
Thank you again!
YW
Title: Re: Authorized users
Post by: Hamavin on August 27, 2015, 12:34:17 AM
Just got a bunch of new Amex Biz SPG AU cards, and in order to activate them you must call in and enter ssn and dob. Cannot be done online apparently (at least for this batch of cards). Major PITA.
Anyone else having this prob?
Title: Re: Authorized users
Post by: DaveInLA on August 27, 2015, 01:27:38 AM
I applied for 6 AU cards for myself last week (2 for each of 3 AMEX personal cards). When my CK score was updated today, both scores (I think EXP and TU) dropped 35 pts each because of "new accounts opened". Will calling the bureaus to remove these as new accounts restore the previous scores?
Title: Re: Authorized users
Post by: rr1 on August 27, 2015, 01:45:46 AM
Anyone else having this prob?
+1
Title: Re: Authorized users
Post by: rr1 on August 27, 2015, 02:00:46 AM

Did it via chat no big did 3 cards at one time didnt ask for SS# or DOB
Title: Re: Authorized users
Post by: noturbizniss on August 27, 2015, 06:37:11 AM
I applied for 6 AU cards for myself last week (2 for each of 3 AMEX personal cards). When my CK score was updated today, both scores (I think EXP and TU) dropped 35 pts each because of "new accounts opened". Will calling the bureaus to remove these as new accounts restore the previous scores?
I think ck puts way more weight on new accounts than fico does. See my post here comparing fico and ck scores
http://forums.dansdeals.com/index.php?topic=1246.msg1245103.msg#1245103
Title: Re: Authorized users
Post by: E-MAN on August 27, 2015, 08:13:51 AM
Did it via chat no big did 3 cards at one time didnt ask for SS# or DOB
Personal or biz?
Title: Re: Authorized users
Post by: Jm1248 on August 27, 2015, 10:07:23 AM
I applied for 6 AU cards for myself last week (2 for each of 3 AMEX personal cards). When my CK score was updated today, both scores (I think EXP and TU) dropped 35 pts each because of "new accounts opened". Will calling the bureaus to remove these as new accounts restore the previous scores?
It should
Title: Re: Authorized users
Post by: gogreen on August 27, 2015, 12:11:17 PM
Can someone list all Amex cards which are eligible for 99 AUs? I know of Everyday, Blue Cash Everyday & Blue for Business. Which other ones are?
Title: Re: Authorized users
Post by: Marco Polo on August 27, 2015, 12:15:20 PM
Can someone list all Amex cards which are eligible for 99 AUs? I know of Everyday, Blue Cash Everyday & Blue for Business. Which other ones are?
May be easier to say the Old Blue Cash has a 3 AU limit and PRG has a 5 AU limit for free cards.
Title: Re: Authorized users
Post by: gogreen on August 27, 2015, 12:25:17 PM
May be easier to say the Old Blue Cash has a 3 AU limit and PRG has a 5 AU limit for free cards.
How about the Hilton card?
Title: Re: Authorized users
Post by: Marco Polo on August 27, 2015, 12:27:15 PM
How about the Hilton card?
You can get on that.
Title: Re: Authorized users
Post by: Chapshnell on August 27, 2015, 12:31:30 PM
Can someone list all Amex cards which are eligible for 99 AUs? I know of Everyday, Blue Cash Everyday & Blue for Business. Which other ones are?

from amex..

SPG Per
SPG Biz
EDP
EDNP
Blue Sky
Blue Cash
Delta Per
Delta Biz
BRG (add as green au's)
Plat Biz (add as green au's)
Green Per
Green Biz

there are more...

PRG is 5 AU's free..
Title: Re: Authorized users
Post by: benjie1305 on August 27, 2015, 12:55:45 PM
from amex..

SPG Per
SPG Biz
EDP
EDNP
Blue Sky
Blue Cash
Delta Per
Delta Biz
BRG (add as green au's)
Plat Biz (add as green au's)
Green Per
Green Biz

there are more...

PRG is 5 AU's free..

Now THIS belongs in the wiki! :)
Title: Re: Authorized users
Post by: Jm1248 on August 27, 2015, 01:01:18 PM
Now THIS belongs in the wiki! :)
+1
Title: Re: Authorized users
Post by: E-MAN on August 27, 2015, 01:50:26 PM
Now THIS belongs in the wiki! :)
Added
Title: Re: Authorized users
Post by: Chapshnell on August 27, 2015, 01:52:59 PM
thanks E-man, I typed it from the top of my head.. I am certain there are more..

For example.. Jetblue, Plum, Plenti, Costco, Hilton Honors, Mercedes Benz, Serve & Bluebird..

I am not familiar... I know MB has a $30 fee for AU's
Title: Re: Authorized users
Post by: TimT on August 27, 2015, 01:54:48 PM
Bluebird is 4 au's
Title: Re: Authorized users
Post by: Chapshnell on August 27, 2015, 01:56:10 PM
Bluebird is 4 au's IIRC

update the Wiki.. I fixed it a little
Title: Re: Authorized users
Post by: TimT on August 27, 2015, 02:00:35 PM
update the Wiki.. I fixed it a little
Thanks. (I updated it as well)
Title: Re: Authorized users
Post by: rileywiles23 on August 27, 2015, 02:03:22 PM
I originally put in a Ssn for an au, and now want to remove it due to the CB reporting problem. I would have to totally remove the au from my account, and then add it again w/o the ssn, correct ?
Title: Re: Authorized users
Post by: Marco Polo on August 27, 2015, 02:04:58 PM
I originally put in a Ssn for an au, and now want to remove it due to the CB reporting problem. I would have to totally remove the au from my account, and then add it again w/o the ssn, correct ?
Don't want to deal with the CB directly?
Title: Re: Authorized users
Post by: Chapshnell on August 27, 2015, 02:07:04 PM
I originally put in a Ssn for an au, and now want to remove it due to the CB reporting problem. I would have to totally remove the au from my account, and then add it again w/o the ssn, correct ?

updated wiki with that reminder as well.
Title: Re: Authorized users
Post by: rileywiles23 on August 27, 2015, 02:22:13 PM

Don't want to deal with the CB directly?
It's my mom, and too difficult to deal with the cb.
Title: Re: Authorized users
Post by: noturbizniss on August 27, 2015, 02:38:49 PM
It's my mom, and too difficult to deal with the cb.
So? I called for myself and told them I have the same issue for my wife and they were more than happy ot take care of it right then. Didn't need her to call.
Title: Re: Authorized users
Post by: lfas25 on August 27, 2015, 02:43:46 PM
from amex..

SPG Per
SPG Biz
EDP
EDNP
Blue Sky
Blue Cash
Delta Per
Delta Biz
BRG (add as green au's)
Plat Biz (add as green au's)
Green Per
Green Biz

there are more...

PRG is 5 AU's free..
Green charges for AU's....
Title: Re: Authorized users
Post by: Chapshnell on August 27, 2015, 02:54:31 PM
Green charges for AU's....

green what? both? what amount? are you certain? (not arguing with you)
Title: Re: Authorized users
Post by: Chapshnell on August 27, 2015, 03:08:27 PM
Green charges for AU's....

thanks for the heads up.. I will update the wiki.. however the only charge on the personal card after the first year.. Business is free up to 99.

"OFFER TERMS
Basic and Additional Cards Annual Fee
The American Express® Green Card will have a $0 introductory annual fee for the first year of Card Membership. Also, if you add an Additional Card to your account at the time of application, you will not be charged an annual fee during the first year of the Card account for such Additional Card and any other Additional Cards up to 5 in total. After the first year, the annual fee for the Basic Card will be $95 and the annual fee for the Additional Cards will be $30 for up to 5 Additional Cards. If you add an Additional Card to your account following your Basic Card application, you will be charged an annual fee of $30 for up to 5 Additional Cards. The annual fee for 6 or more Additional Cards is $30 for each Card."
Title: Re: Authorized users
Post by: am77 on August 27, 2015, 03:10:19 PM
green what? both? what amount? are you certain? (not arguing with you)
Don't know about green business but the personal charges I think $30 for first 5 than $30 for each additional
Title: Re: Authorized users
Post by: Chapshnell on August 27, 2015, 03:11:37 PM
Don't know about green business but the personal charges I think $35 for first 5 than $35 for each additional

I updated the wiki. see above.. 5 free the first year. after that it costs $30 per au
Title: Re: Authorized users
Post by: DaveInLA on August 27, 2015, 03:50:31 PM

May be easier to say the Old Blue Cash has a 3 AU limit and PRG has a 5 AU limit for free cards.

I just applied for my 4th and 5th AU for OBC and got no problems. Haven't received cards yet, but I got no indication that there would be an issue.
Title: Re: Authorized users
Post by: noturbizniss on August 27, 2015, 03:51:22 PM
I just applied for my 4th and 5th AU for OBC and got no problems. Haven't received cards yet, but I got no indication that there would be an issue.
report back if you actually receive them.
Title: Re: Authorized users
Post by: Chapshnell on August 27, 2015, 03:59:39 PM
chat rep didnt mention a word about the $30 fee for the green personal cards. bro didnt get them yet.. same situation kind of.. curious to see what will end up
Title: Re: Authorized users
Post by: a mirrer on August 27, 2015, 04:16:32 PM
I just applied for my 4th and 5th AU for OBC and got no problems. Haven't received cards yet, but I got no indication that there would be an issue.
wait for the denial letter in the mail
Title: Re: Authorized users
Post by: TimT on August 27, 2015, 04:20:06 PM
wait for the denial letter in the mail
That was your experience ?
Title: Re: Authorized users
Post by: bermo on August 27, 2015, 04:45:07 PM
Business AU can now be added online without ss and dob and you only need it to activate them
Title: Re: Authorized users
Post by: noturbizniss on August 27, 2015, 04:47:58 PM
Business AU can now be added online without ss and dob and you only need it to activate them
repost
I think amex business cards don't ask for dob. Definitely not ssn. Maybe biz spg?
:P
Title: Re: Authorized users
Post by: bermo on August 27, 2015, 04:52:40 PM
repost
I'm confirming that even spg business doesn't need ss and dob
Title: Re: Authorized users
Post by: lfas25 on August 27, 2015, 05:10:29 PM
I just applied for my 4th and 5th AU for OBC and got no problems. Haven't received cards yet, but I got no indication that there would be an issue.
I did the same a few months ago and got the denial letter in the mail.
Title: Authorized users
Post by: rileywiles23 on August 27, 2015, 09:14:56 PM
So? I called for myself and told them I have the same issue for my wife and they were more than happy ot take care of it right then. Didn't need her to call.
They never let me do that, but I'll definitely try again.
Title: Re: Authorized users
Post by: noturbizniss on August 27, 2015, 09:16:58 PM
They never let me do that.
THe credit bureaus? All three let
Title: Re: Authorized users
Post by: E-MAN on August 27, 2015, 10:13:09 PM
I'm confirming that even spg business doesn't need ss and dob

Online? How?
Title: Re: Authorized users
Post by: bermo on August 27, 2015, 10:14:24 PM
Online? How?
Add authorized user...
Follow instructions
Title: Re: Authorized users
Post by: DaveInLA on August 27, 2015, 10:34:32 PM
Will AMEX business cards like SPG also count as a new account in credit bureaus?
Title: Re: Authorized users
Post by: noturbizniss on August 27, 2015, 10:49:44 PM
Online? How?
They don't ask for it when added the card but they do ask for dob and ssn when activating. All amex biz cards are like that now.
Title: Re: Authorized users
Post by: Jm1248 on August 28, 2015, 12:20:58 AM
Will AMEX business cards like SPG also count as a new account in credit bureaus?
no
ETA: Au or an actual new card?
Title: Re: Authorized users
Post by: noturbizniss on August 28, 2015, 12:49:45 AM
no
ETA: Au or an actual new card?
I know biz balances don't get reported, but are you sure the cards and au cards themselves don't get reported either? I think they do...
Title: Re: Authorized users
Post by: Jm1248 on August 28, 2015, 12:50:22 AM
I know biz balances don't get reported, but are you sure the cards and au cards themselves don't get reported either? I think they do...
Aus don't. Actual account does I think
Title: Re: Authorized users
Post by: D93 on August 28, 2015, 02:37:46 AM
I know biz balances don't get reported, but are you sure the cards and au cards themselves don't get reported either? I think they do...
They don't.
Aus don't. Actual account does I think
-1

Take a look at your report and you'll see for yourself that no Amex/Chase/BofA/Citi Business cards are on there.
Title: Re: Authorized users
Post by: DaveInLA on August 28, 2015, 03:16:59 AM

no
ETA: Au or an actual new card?

I'm asking about AU. So AU (employee) card for AMEX business won't count against me in credit report, then?
Title: Re: Authorized users
Post by: D93 on August 28, 2015, 03:22:45 AM
I'm asking about AU. So AU (employee) card for AMEX business won't count against me in credit report, then?
Correct
Title: Re: Authorized users
Post by: Jm1248 on August 28, 2015, 09:35:14 AM
They don't. -1

Take a look at your report and you'll see for yourself that no Amex/Chase/BofA/Citi Business cards are on there.
Ok thanx. Not sure why I thought the regular account does. I got confused because the pull from a biz card does show up
Title: Re: Authorized users
Post by: E-MAN on August 28, 2015, 12:09:20 PM
They don't ask for it when added the card but they do ask for dob and ssn when activating. All amex biz cards are like that now.
That's what I thought. Thanks for clarifying.
Title: Re: Authorized users
Post by: Ydad on August 28, 2015, 12:24:10 PM
Aus don't. Actual account does I think
Wow, thanks for the info. You saved me a whole bunch of phone calls.
Title: Re: Authorized users
Post by: Hamavin on August 28, 2015, 02:21:13 PM
Have an AU and was setting up online login. They asked me for ss and dob but I did not have.....so they asked me security questions and verified.....Will that hit the credit report without ss and dob?
Title: Re: Authorized users
Post by: Chapshnell on August 28, 2015, 02:25:55 PM
Have an AU and was setting up online login. They asked me for ss and dob but I did not have.....so they asked me security questions and verified.....Will that hit the credit report without ss and dob?

impossible for them to add something to a CR without a SSN. As posted somewhere in this CC section about a rare case of matching addresses but thats a 1 in a few hundred case scenario.
Title: Re: Authorized users
Post by: Chapshnell on August 28, 2015, 02:26:20 PM
Ok thanx. Not sure why I thought the regular account does. I got confused because the pull from a biz card does show up

unless you pay late you will not see it.
Title: Re: Authorized users
Post by: Ydad on August 28, 2015, 02:27:39 PM

Have an AU and was setting up online login. They asked me for ss and dob but I did not have.....so they asked me security questions and verified.....Will that hit the credit report without ss and dob?
nope
Title: Re: Authorized users
Post by: Jm1248 on August 28, 2015, 06:17:54 PM
nope
Probably not but people have reported it hitting cr anyway by matching names and addresses etc
ETA - just saw chapshnell posted this already
Title: Re: Authorized users
Post by: D93 on August 29, 2015, 03:32:07 PM
unless you pay late you will not see it.
Late payments on business cards show up?
Title: Re: Authorized users
Post by: Hamavin on August 29, 2015, 11:12:30 PM
nope
Gotcha! But how do they know wich security questions to ask?
Title: Re: Authorized users
Post by: Ydad on August 29, 2015, 11:14:55 PM
They ask from the primary account holder's info. IME
Title: Re: Authorized users
Post by: Hamavin on August 29, 2015, 11:18:28 PM
Called in as au and they asked me security questions?
Title: Re: Authorized users
Post by: Ydad on August 29, 2015, 11:23:53 PM
Called in as au and they asked me security questions?
Security questions from your credit report?
Title: Re: Authorized users
Post by: Hamavin on August 29, 2015, 11:25:28 PM
Adresses? I knew the answers but what were they thinking?
Title: Re: Authorized users
Post by: Marco Polo on August 30, 2015, 12:23:41 AM
They do ask questions based on AU's information.
Title: Re: Authorized users
Post by: Ydad on August 30, 2015, 12:33:04 AM
They do ask questions based on AU's information.
Even without the social connected?
Title: Re: Authorized users
Post by: Marco Polo on August 30, 2015, 12:33:46 AM
Even without the social connected?
It's possible they can match it up. Though if not, i guess they ask for AH.
Title: Re: Authorized users
Post by: Ydad on August 30, 2015, 12:34:49 AM
Interesting
Title: Re: Authorized users
Post by: DaveInLA on August 30, 2015, 03:03:07 AM
I added my mom and dad to my SPG business card and just got the cards today. He system didn't let me add them online so I had to call. I tried creating online accounts for them, but business AU apparent need to be called in to provide SSN. Is there any way to activate and set up business AU online without calling?
Title: Re: Authorized users
Post by: jameswacht on August 30, 2015, 03:21:28 AM
if I add AU on business card with SSN will that come up as an additional account on my CR like it does with AU on a personal card? upthread it seems like people are saying that it wont but its not clear so I would like to confirm
Title: Re: Authorized users
Post by: D93 on August 30, 2015, 04:16:34 AM
if I add AU on business card with SSN will that come up as an additional account on my CR like it does with AU on a personal card?
No
Title: Re: Authorized users
Post by: jameswacht on August 30, 2015, 04:20:30 AM
No
any reason to be reluctant to add with your own SSN to your own business card multiple times?
Title: Re: Authorized users
Post by: bznt on August 30, 2015, 05:55:12 AM
I can't add to the wiki . I am on tapa talk. But my friend has the Hilton card with 99 au's
Title: Re: Authorized users
Post by: Yammer on August 30, 2015, 06:25:50 AM
I can't add to the wiki . I am on tapa talk. But my friend has the Hilton card with 99 au's
So for small business Saturday he makes between $990-$2475 on that card alone...( depending if it's $10 or $25 )

Cool
Title: Re: Authorized users
Post by: bznt on August 30, 2015, 06:26:56 AM
Yup. Jus in this card. He has a total of 3 accounts. ....
Title: Re: Authorized users
Post by: Hamavin on August 30, 2015, 09:18:58 AM
They do ask questions based on AU's information.
Does that mean they connect the social?
Title: Re: Authorized users
Post by: Marco Polo on August 30, 2015, 03:19:39 PM
Does that mean they connect the social?
Seems like it is something they can do.
Title: Re: Authorized users
Post by: Hamavin on August 30, 2015, 07:51:04 PM
Seems like it is something they can do.
K but were biz cards anyways so I guess it does not matter...
Title: Re: Authorized users
Post by: sm8542 on August 30, 2015, 08:20:07 PM
I added myself as an AU with my SSN multiple times. Now my credit rating plummeted by over 100 due to my outstanding balance being multiplied by each AU. Is there anything I can do to bring it back up? Anyone I can call?
Title: Re: Authorized users
Post by: Marco Polo on August 30, 2015, 08:24:09 PM
I added myself as an AU with my SSN multiple times. Now my credit rating plummeted by over 100 due to my outstanding balance being multiplied by each AU. Is there anything I can do to bring it back up? Anyone I can call?
Call the CB's and get it removed.
Title: Re: Authorized users
Post by: snapit on August 30, 2015, 08:28:59 PM
Call the CB's and get it removed.
So in order to have it removed it would have to be done separately with all cb's?
Title: Re: Authorized users
Post by: Marco Polo on August 30, 2015, 08:30:16 PM
So in order to have it removed it would have to be done separately with all cb's?
EX, EQ and TU are all different, so yes.
Title: Re: Authorized users
Post by: snapit on August 30, 2015, 08:39:49 PM
EX, EQ and TU are all different, so yes.
Thanks, maybe someone could ad the phone numbers to the wiki, this is what I got off google:


Equifax Phone Numbers:
1-800-685-1111: Credit Report Inquiries
1-888-766-0008: Place Fraud Alert on Your Credit Report
1-866-493-9788: Credit Reports, Scores and Identity Theft Monitoring
1-888-202-4025: Business Solutions


Experian Phone Numbers:
1-888-397-3742: Credit Report / Dispute Information / Fraud & Identity Theft
1-877-284-7942: Triple Advantage Credit Monitoring Membership
1-888-243-6951: Business Credit Services

TransUnion Phone Numbers:
1-800-493-2392: Credit Monitoring Service Inquires
1-800-888-4213: Purchase a Credit Report or Get Free Annual Report
1-800-916-8800: Dispute Items on Credit Report and Status Checks
1-800-680-7289: Fraud Alerts and Identity Theft Information
1-866-922-2100: Business Services Assistance
Title: Re: Authorized users
Post by: Ydad on August 30, 2015, 08:44:35 PM
I added my mom and dad to my SPG business card and just got the cards today. He system didn't let me add them online so I had to call. I tried creating online accounts for them, but business AU apparent need to be called in to provide SSN. Is there any way to activate and set up business AU online without calling?
Call and when they ask for the social just wait. After a while they will skip the social and ask for the DOB. You then give them the DOB. Then a rep will come on. Tell the rep you are the main account holder and answer the security questions. Alternatively, sometimes a rep will agree to activate the card with just the DOB. You will then be able to set up online accounts, IME.
Title: Re: Authorized users
Post by: Jm1248 on August 31, 2015, 06:43:58 PM
Just to confirm, there is absolutely no issue with adding my ssn to multiple au business cards correct?
Title: Re: Authorized users
Post by: noturbizniss on August 31, 2015, 06:51:52 PM


Just to confirm, there is absolutely no issue with adding my ssn to multiple au business cards correct?
That
Title: Re: Authorized users
Post by: Jm1248 on August 31, 2015, 06:56:44 PM
That
Thanx
Title: Re: Authorized users
Post by: Yitzshpitz on August 31, 2015, 11:56:33 PM
That

They never asked me for SSN for buz au's. Just for employee names.
Title: Re: Authorized users
Post by: Jm1248 on August 31, 2015, 11:57:04 PM
They never asked me for SSN for buz au's. Just for employee names.
I'm talking about when opening online accounts
Title: Re: Authorized users
Post by: Yitzshpitz on September 01, 2015, 12:04:50 AM
Aha. Do you need online account for SBS?
Title: Re: Authorized users
Post by: TimT on September 01, 2015, 12:10:44 AM
Aha. Do you need online account for SBS?
no
Title: Re: Authorized users
Post by: justaregularguy on September 01, 2015, 01:08:07 AM
what exactly do I say to these bureau ppl about my au's under my name and ssn?
Title: Re: Authorized users
Post by: Marco Polo on September 01, 2015, 08:11:11 AM
what exactly do I say to these bureau ppl about my au's under my name and ssn?
You can tell them that the account is already on your file and this is just an AU card.
Title: Re: Authorized users
Post by: Jm1248 on September 01, 2015, 12:45:57 PM
Just checked my cr for the first time since I heard Amex began reporting aus as new accounts and no aus are listed thank gd!!
Title: Re: Authorized users
Post by: TimT on September 01, 2015, 12:48:41 PM
Just checked my cr for the first time since I heard Amex began reporting aus as new accounts and no aus are listed thank gd!!
Good for you. Saves you a hassle
Title: Re: Authorized users
Post by: Jm1248 on September 01, 2015, 12:49:47 PM
Good for you. Saves you a hassle
Yup I just finished clearing up my wife's report and was not looking forward to restarting the process. What a relief
Title: Re: Authorized users
Post by: noturbizniss on September 01, 2015, 01:01:11 PM
Yup I just finished clearing up my wife's report and was not looking forward to restarting the process. What a relief
Don't count your chickens yet...many of mine from sbs last year didn't show up Till Feb March or April...
Title: Re: Authorized users
Post by: justaregularguy on September 01, 2015, 01:15:18 PM
which credit bureau does amex report to? I wana check my report to see if my au's are listed. which report should I request?
Title: Re: Authorized users
Post by: benjie1305 on September 01, 2015, 01:16:42 PM
which credit bureau does amex report to? I wana check my report to see if my au's are listed. which report should I request?

The AUs will be on all 3 CB's
Title: Re: Authorized users
Post by: justaregularguy on September 01, 2015, 01:19:46 PM
The AUs will be on all 3 CB's
ok thanks
Title: Re: Authorized users
Post by: justaregularguy on September 01, 2015, 01:23:44 PM
it seems that I got my free report last yr in November so I cant get it again till this nov. that doesn't really matter right? I could still call them and ask if the au's are listed right?
Title: Re: Authorized users
Post by: noturbizniss on September 01, 2015, 02:24:44 PM
it seems that I got my free report last yr in November so I cant get it again till this nov. that doesn't really matter right? I could still call them and ask if the au's are listed right?
can also get your TU and EQ reports free from CK, and do trials on experian
Title: Re: Authorized users
Post by: D93 on September 01, 2015, 02:43:46 PM
it seems that I got my free report last yr in November so I cant get it again till this nov. that doesn't really matter right? I could still call them and ask if the au's are listed right?
You are also entitled to a free report when you are denied credit. So if you've signed up for a credit card recently, you can get a free report.
Title: Re: Authorized users
Post by: DaveInLA on September 01, 2015, 03:34:12 PM
I called these numbers to get AU removed from my credit report, and got nowhere. Are these the right numbers to call? They just said that I need to take this up with AMEX, as it's AMEX that reports this to the CB. They said they can't do anything about it. HUCA?

Thanks, maybe someone could ad the phone numbers to the wiki, this is what I got off google:


Equifax Phone Numbers:
1-800-685-1111: Credit Report Inquiries
1-888-766-0008: Place Fraud Alert on Your Credit Report
1-866-493-9788: Credit Reports, Scores and Identity Theft Monitoring
1-888-202-4025: Business Solutions


Experian Phone Numbers:
1-888-397-3742: Credit Report / Dispute Information / Fraud & Identity Theft
1-877-284-7942: Triple Advantage Credit Monitoring Membership
1-888-243-6951: Business Credit Services

TransUnion Phone Numbers:
1-800-493-2392: Credit Monitoring Service Inquires
1-800-888-4213: Purchase a Credit Report or Get Free Annual Report
1-800-916-8800: Dispute Items on Credit Report and Status Checks
1-800-680-7289: Fraud Alerts and Identity Theft Information
1-866-922-2100: Business Services Assistance
Title: Re: Authorized users
Post by: noturbizniss on September 01, 2015, 06:58:29 PM
I called these numbers to get AU removed from my credit report, and got nowhere. Are these the right numbers to call? They just said that I need to take this up with AMEX, as it's AMEX that reports this to the CB. They said they can't do anything about it. HUCA?
Experian is correct. For the others I think it was
 8883973742: Experian
: 8004377179: Equifax
: 8009198800: Transunion

They told me the same thing, but they agreed to try and open a dispute. Tell them you know it's from amex but you want to dispute them anyway.
Title: Re: Authorized users
Post by: DaveInLA on September 01, 2015, 07:04:15 PM
Experian is correct. For the others I think it was
 8883973742: Experian
: 8004377179: Equifax
: 8009198800: Transunion

They told me the same thing, but they agreed to try and open a dispute. Tell them you know it's from amex but you want to dispute them anyway.

what was the outcome of the dispute?
Title: Re: Authorized users
Post by: justaregularguy on September 01, 2015, 11:19:43 PM
You are also entitled to a free report when you are denied credit. So if you've signed up for a credit card recently, you can get a free report.
I noticed that but signing up for a new credit card is not called 'denied credit' as you make it sound in your post. I was approved and subsequently allowed credit.. unless I misunderstand what your saying.
all this doesn't matter though, can I just call them without seeing my report and just ask if any au's are on to please remove them?
Title: Re: Authorized users
Post by: noturbizniss on September 01, 2015, 11:42:20 PM
I noticed that but signing up for a new credit card is not called 'denied credit' as you make it sound in your post. I was approved and subsequently allowed credit.. unless I misunderstand what your saying.
all this doesn't matter though, can I just call them without seeing my report and just ask if any au's are on to please remove them?
Should be able to call in even without a report
Title: Re: Authorized users
Post by: justaregularguy on September 02, 2015, 12:17:31 AM
thanks ill give it a try
Title: Re: Authorized users
Post by: Yitzshpitz on September 02, 2015, 12:29:40 AM
Should be able to call in even without a report

+1

Ive called and had them confirm how many and which au's were on report.
Title: Re: Authorized users
Post by: Chapshnell on September 02, 2015, 02:30:40 PM
+1

Ive called and had them confirm how many and which au's were on report.

they themselves were able to tell you which ones were AU's?
Title: Re: Authorized users
Post by: Jm1248 on September 02, 2015, 02:36:26 PM
they themselves were able to tell you which ones were AU's?
I would assume they Cana lthough they always ask me the numbers the au starts with
Title: Re: Authorized users
Post by: noturbizniss on September 02, 2015, 02:44:29 PM
they themselves were able to tell you which ones were AU's?
Yup. Same way you can tell.  When I called i told them what I wanted, they put me on hold and opened disputes on all my Amex AU accounts.  The first call, with experian, I made a list of all the AU accounts numbers on my experian report and started going through them. After 5-10 the woman just did them all on her own.  For TU and EQ I asked them off the bat to just dispute them all.
Title: Re: Authorized users
Post by: Marco Polo on September 02, 2015, 02:46:14 PM
they themselves were able to tell you which ones were AU's?
It should say Additional User on the report.
Title: Re: Authorized users
Post by: Tzvi s on September 02, 2015, 10:38:57 PM
How do I add all my au to my amex account for amex check out?
Title: Re: Authorized users
Post by: Marco Polo on September 02, 2015, 10:41:33 PM
How do I add all my au to my amex account for amex check out?
If the cards are in your name, you can call and ask them to add it. Otherwise, needs to be done manually.
Title: Re: Authorized users
Post by: TimT on September 02, 2015, 10:41:53 PM
How do I add all my au to my amex account for amex check out?
If you're adding it to an existing account, "my cards" "add another card". For a new account "create new online account"
Title: Re: Authorized users
Post by: justaregularguy on September 03, 2015, 08:17:36 PM
whoops! this thread got pushed to page 2. sry for bringing up old news.
I called TU to remove au's and the rep told me he only sees 4 cards on my report which r my primary cards! :) no au's! Question: shud I still call other 2 bureaus or can I assume that if it didn't make it to one of them then im clear??
also, by the way , all the numbers posted here for eq and exp. don't get me thru to a rep. at all. all the options are to request a report or a freeze, all on automated system! anyone else have luck with these numbers?(attn: noturbizniss: the number you posted for Experian says its an invalid number.. :o.??)
Title: Re: Authorized users
Post by: Jm1248 on September 03, 2015, 09:18:59 PM
whoops! this thread got pushed to page 2. sry for bringing up old news.
I called TU to remove au's and the rep told me he only sees 4 cards on my report which r my primary cards! :) no au's! Question: shud I still call other 2 bureaus or can I assume that if it didn't make it to one of them then im clear??
also, by the way , all the numbers posted here for eq and exp. don't get me thru to a rep. at all. all the options are to request a report or a freeze, all on automated system! anyone else have luck with these numbers?(attn: noturbizniss: the number you posted for Experian says its an invalid number.. :o.??)
Experian - 18004931058
Eq - 18008465279
TU - 18009168800
I used these all today and they are all valid and correct
Title: Re: Authorized users
Post by: justintime on September 03, 2015, 09:19:42 PM
Can AU's be added without giving a SSN for each individual? and is it need for activation?

Disclaimer: I know this is somewhere on this thread but I am not going through 89 pages to find it and the search on this forum...well... lets just say its not as good as the information contained within. I wish it would be upgraded.
Title: Re: Authorized users
Post by: Jm1248 on September 03, 2015, 09:21:01 PM
Can AU's be added without giving a SSN for each individual? and is it need for activation?

Disclaimer: I know this is somewhere on this thread but I am not going through 89 pages to find it and the search on this forum...well... lets just say its not as good as the information contained within. I wish it would be upgraded.
Personal aus can be done over the phone without ssn. Biz aus can even be done online. Cards do not need to be activated at all prior to use
Title: Re: Authorized users
Post by: TimT on September 03, 2015, 09:21:33 PM
Can AU's be added without giving a SSN for each individual? and is it need for activation?

Disclaimer: I know this is somewhere on this thread but I am not going through 89 pages to find it and the search on this forum...well... lets just say its not as good as the information contained within. I wish it would be upgraded.
Yes. Say you don't have it available now. Can be used without activation.
Title: Re: Authorized users
Post by: noturbizniss on September 03, 2015, 09:27:00 PM
whoops! this thread got pushed to page 2. sry for bringing up old news.
I called TU to remove au's and the rep told me he only sees 4 cards on my report which r my primary cards! :) no au's! Question: shud I still call other 2 bureaus or can I assume that if it didn't make it to one of them then im clear??
also, by the way , all the numbers posted here for eq and exp. don't get me thru to a rep. at all. all the options are to request a report or a freeze, all on automated system! anyone else have luck with these numbers?(attn: noturbizniss: the number you posted for Experian says its an invalid number.. :o.??)
I'd still call the others.
Title: Re: Authorized users
Post by: TimT on September 03, 2015, 09:32:37 PM
Disclaimer: I know this is somewhere on this thread but I am not going through 89 pages to find it and the search on this forum...well... lets just say its not as good as the information contained within. I wish it would be upgraded.
You don't need to go through 89 pages. Just put "SSN" in the search while in this thread & you'll no doubt get the answer.
Title: Re: Authorized users
Post by: gsquared817 on September 03, 2015, 11:28:52 PM
Recently got the SPG and added BIL as AU with just DOB (which he was ok with). got an email from Amex today telling me they noticed they didn't have SSN for BIL and they want it. what to do?
Title: Re: Authorized users
Post by: Brian93 on September 03, 2015, 11:30:27 PM
Recently got the SPG and added BIL as AU with just DOB (which he was ok with). got an email from Amex today telling me they noticed they didn't have SSN for BIL and they want it. what to do?
Ignore
Title: Re: Authorized users
Post by: Jm1248 on September 03, 2015, 11:30:51 PM
Recently got the SPG and added BIL as AU with just DOB (which he was ok with). got an email from Amex today telling me they noticed they didn't have SSN for BIL and they want it. what to do?
Nothing
Title: Re: Authorized users
Post by: TimT on September 03, 2015, 11:33:04 PM
Recently got the SPG and added BIL as AU with just DOB (which he was ok with). got an email from Amex today telling me they noticed they didn't have SSN for BIL and they want it. what to do?
Its standard. Everybody just ignores it
Title: Re: Authorized users
Post by: Chapshnell on September 04, 2015, 12:28:50 AM
Recently got the SPG and added BIL as AU with just DOB (which he was ok with). got an email from Amex today telling me they noticed they didn't have SSN for BIL and they want it. what to do?

file it in the garbage
Title: Re: Authorized users
Post by: gsquared817 on September 04, 2015, 09:46:35 AM
file it in the garbage
Its standard. Everybody just ignores it
Nothing
Ignore

Thank you all!
Title: Re: Authorized users
Post by: justaregularguy on September 04, 2015, 10:19:08 AM
Experian - 18004931058
Eq - 18008465279
TU - 18009168800
I used these all today and they are all valid and correct
3rd set of numbers for eq and exp on this thread.ill give it a try
Title: Re: Authorized users
Post by: DaveInLA on September 04, 2015, 11:04:11 PM
I was able to add my parents to my SPG business card with just DOB and activate them on the phone. But when I tried to create unique online access for each card, AMEX wouldn't let me do it online and I had to call in. They asked pretty specific questions like which address they're associated with, etc.
To you guys who added AU to business cards, were you able create online access without calling in?
Title: Re: Authorized users
Post by: Marco Polo on September 05, 2015, 08:47:10 PM
I was able to add my parents to my SPG business card with just DOB and activate them on the phone. But when I tried to create unique online access for each card, AMEX wouldn't let me do it online and I had to call in. They asked pretty specific questions like which address they're associated with, etc.
To you guys who added AU to business cards, were you able create online access without calling in?
You need to have all information added to get that done lately.
Title: Re: Authorized users
Post by: @Yehuda on September 05, 2015, 08:55:17 PM
If business cards don't show up on your credit report, why are you nervous about giving over your information?
Title: Re: Authorized users
Post by: Jm1248 on September 05, 2015, 09:04:19 PM
I was able to add my parents to my SPG business card with just DOB and activate them on the phone. But when I tried to create unique online access for each card, AMEX wouldn't let me do it online and I had to call in. They asked pretty specific questions like which address they're associated with, etc.
To you guys who added AU to business cards, were you able create online access without calling in?
If business cards don't show up on your credit report, why are you nervous about giving over your information?
Maybe he doesn't have their ssn
Title: Re: Authorized users
Post by: SimchaCC on September 05, 2015, 09:14:30 PM
Just got an email from Amex saying that they are "missing SSNs for a number of my business card AUs." Do I risk problems by not giving them, or can i just ignore it?
Title: Re: Authorized users
Post by: TimT on September 05, 2015, 09:15:13 PM
Just got an email from Amex saying that they are "missing SSNs for a number of my business card AUs." Do I risk problems by not giving them, or can i just ignore it?
Its standard. Everybody just ignores it
Title: Re: Authorized users
Post by: Jm1248 on September 05, 2015, 09:16:24 PM
Just got an email from Amex saying that they are "missing SSNs for a number of my business card AUs." Do I risk problems by not giving them, or can i just ignore it?
Recently got the SPG and added BIL as AU with just DOB (which he was ok with). got an email from Amex today telling me they noticed they didn't have SSN for BIL and they want it. what to do?
Ignore
Its standard. Everybody just ignores it
file it in the garbage
Title: Re: Authorized users
Post by: Marco Polo on September 05, 2015, 09:23:01 PM
Just got an email from Amex saying that they are "missing SSNs for a number of my business card AUs." Do I risk problems by not giving them, or can i just ignore it?
If you want to get the card added online, seems you will need it. If you just want the card, ignore it.
Title: Re: Authorized users
Post by: SimchaCC on September 05, 2015, 10:02:21 PM
If you want to get the card added online, seems you will need it. If you just want the card, ignore it.
Already have online accounts for those cards, guess I'm good
Title: Re: Authorized users
Post by: TimT on September 05, 2015, 10:02:55 PM
Already have online accounts for those cards, guess I'm good
Yes you are
Title: Re: Authorized users
Post by: DaveInLA on September 06, 2015, 02:43:23 PM

Maybe he doesn't have their ssn

Right. They just went overseas on vacation. I didn't think this would be an issue since I figured AU cards can be used right away... didn't know I needed that info to create an online account.
Title: Re: Authorized users
Post by: rileywiles23 on September 06, 2015, 05:24:50 PM

Right. They just went overseas on vacation. I didn't think this would be an issue since I figured AU cards can be used right away... didn't know I needed that info to create an online account.
You don't need it. You just got to huca, and some rep. will do it for you. I've done it multiple times over the past few weeks. Some HUCA works right away, some I got to work harder for it.
Title: Re: Authorized users
Post by: justintime on September 09, 2015, 01:25:39 PM
New to the AU world, but trying to get prepared for a big SBS. I had a few questions if anyone can help.

1) online it allowed me to order multiple AU cards in the same name. Is there any downside to this?
2) Can I add AU's without them knowing and agreeing, and/or if they dont exist? If you dont need a social how do they verify a birthday anyways.
3)  If I have cards for me and my wife can we be AU's on each others cards?
4) Does being an AU really hurt someone's credit score. How do they even know who it really is if there is no need for a  SSN?
5) Can you really get 99 AMEX cards for every card?

Thats it for now. Thank you.
Title: Re: Authorized users
Post by: Marco Polo on September 09, 2015, 01:27:38 PM
New to the AU world, but trying to get prepared for a big SBS. I had a few questions if anyone can help.

1) online it allowed me to order multiple AU cards in the same name. Is there any downside to this? No. You will likely have it show on your CR multiple times though.
2) Can I add AU's without them knowing and agreeing, and/or if they dont exist? If you dont need a social how do they verify a birthday anyways.  You can add without DOB and SSN. Who you add is your prerogative.
3)  If I have cards for me and my wife can we be AU's on each others cards? Yes.
4) Does being an AU really hurt someone's credit score. How do they even know who it really is if there is no need for a  SSN? It could actually make ones score better if the AH has good history.
5) Can you really get 99 AMEX cards for every card? Not all cards allow 99. Could trigger FR if you add that much.

Thats it for now. Thank you.
Title: Re: Authorized users
Post by: Chapshnell on September 09, 2015, 01:47:59 PM
New to the AU world, but trying to get prepared for a big SBS. I had a few questions if anyone can help.

1) online it allowed me to order multiple AU cards in the same name. Is there any downside to this?
2) Can I add AU's without them knowing and agreeing, and/or if they dont exist? If you dont need a social how do they verify a birthday anyways.
3)  If I have cards for me and my wife can we be AU's on each others cards?
4) Does being an AU really hurt someone's credit score. How do they even know who it really is if there is no need for a  SSN?
5) Can you really get 99 AMEX cards for every card?

Thats it for now. Thank you.

I disagree slightly with MarcoPolo on some (one?) point(s) so I will give you my opinion on this too..

1) Yes there is a downside, it will show up on the CR
2) You can add whoever you want
3) Yes, multiple times.
4) Dont add SSN & it wont get added to their CR.
5) See wiki
Title: Re: Authorized users
Post by: srulky on September 09, 2015, 01:56:45 PM
I disagree slightly with MarcoPolo on some (one?) point(s) so I will give you my opinion on this too..

1) Yes there is a downside, it will show up on the CR
2) You can add whoever you want
3) Yes, multiple times.
4) Dont add SSN & it wont get added to their CR.
5) See wiki

Which CR will it show up on (#1) . if i put person A as an AU 3x whats the difference if it shows up on my CR?
Title: Re: Authorized users
Post by: Chapshnell on September 09, 2015, 01:59:07 PM
Which CR will it show up on (#1) . if i put person A as an AU 3x whats the difference if it shows up on my CR?

future approvals.. due to too many new accts.. you can get it removed but its a PITA
Title: Re: Authorized users
Post by: MosheD on September 09, 2015, 02:01:49 PM
Is there a way to add online without ss?
I've been using mine until now, but just saw in wiki that that's not recommended
Title: Re: Authorized users
Post by: Marco Polo on September 09, 2015, 02:03:11 PM
Is there a way to add online without ss?
I've been using mine until now, but just saw in wiki that that's not recommended
I believe you can add personal without SSN.
Title: Re: Authorized users
Post by: noturbizniss on September 09, 2015, 02:32:51 PM
I believe you can add personal without SSN.
Business doesn't require ssn online. Personal does.
Is there a way to add online without ss?
I've been using mine until now, but just saw in wiki that that's not recommended
Title: Re: Authorized users
Post by: eli1571 on September 09, 2015, 07:33:28 PM
so how do o activate au card without giving his social ?
Title: Authorized users
Post by: DaveInLA on September 09, 2015, 07:59:01 PM
so how do o activate au card without giving his social ?

In my experience, creating AU for personal card online requires SSN. I've never tried doing it over phone. Creating AU for business does not need SSN. It can be activated without SSN too, but when I called to create online access for business AU (online wouldn't let me without calling), the CSR wouldn't let me proceed without SSN. People here say to HUCA, maybe that works.
Title: Re: Authorized users
Post by: Jm1248 on September 09, 2015, 08:00:40 PM
In my experience, creating AU for personal card online requires SSN. I've never tried doing it over phone. Creating AU for business does not need SSN. It can be activated without SSN too, but when I called to create online access for business AU (online wouldn't let me without calling), the CSR episode let me proceed without SSN. People here say to HUCA, maybe that works.
Ftfy
Title: Re: Authorized users
Post by: duvz on September 09, 2015, 09:30:20 PM
Will putting my SIL (age 18 ) as an AU on a consumer Starwood card with or without an SSN start her credit history?
Title: Re: Authorized users
Post by: Jm1248 on September 09, 2015, 10:30:46 PM
Will putting my SIL (age 18 ) as an AU on a consumer Starwood card with or without an SSN start her credit history?
With ssn (and doesn't need to be 18)
Title: Re: Authorized users
Post by: duvz on September 09, 2015, 10:50:22 PM
With ssn (and doesn't need to be 18)
Thanks. Her age was referenced only to point out that she's just starting now to accrue credit history.
Title: Re: Authorized users
Post by: Jm1248 on September 09, 2015, 11:15:15 PM
Thanks. Her age was referenced only to point out that she's just starting now to accrue credit history.
I understand. I was pointing out that she can start accruing credit history before 18 as an au
Title: Re: Authorized users
Post by: eli1571 on September 10, 2015, 08:55:35 AM
In my experience, creating AU for personal card online requires SSN. I've never tried doing it over phone. Creating AU for business does not need SSN. It can be activated without SSN too, but when I called to create online access for business AU (online wouldn't let me without calling), the CSR wouldn't let me proceed without SSN. People here say to HUCA, maybe that works.
1) anyone have different experience with personal ? 2) why do you need a seperate login for ur AU assuming it s just for sbs and not someone actually using the card ?
Title: Re: Authorized users
Post by: Jm1248 on September 10, 2015, 08:58:32 AM
1) anyone have different experience with personal ? 2) why do you need a seperate login for ur AU assuming it s just for sbs and not someone actually using the card ?
1) yes
2) you dont
Title: Re: Authorized users
Post by: eli1571 on September 10, 2015, 09:00:11 AM
1) yes
2) you dont
Thanx. did you have a hard time activating the personal w/o a SSN ?
 
Title: Re: Authorized users
Post by: Jm1248 on September 10, 2015, 09:00:46 AM
Thanx. did you have a hard time activating the personal w/o a SSN ?
No. They don't need to be activated
Title: Re: Authorized users
Post by: eli1571 on September 10, 2015, 09:02:34 AM
No. They don't need to be activated
so then how can u use it for SBS ?
Title: Re: Authorized users
Post by: coralsnake on September 10, 2015, 09:02:51 AM
so then how can u use it for SBS ?

Just use it
Title: Re: Authorized users
Post by: eli1571 on September 10, 2015, 09:05:43 AM
does that work with biz AU's as well ?
Title: Re: Authorized users
Post by: Marco Polo on September 10, 2015, 09:06:40 AM
does that work with biz AU's as well ?
Yes. Just swipe.
Title: Re: Authorized users
Post by: eli1571 on September 10, 2015, 09:11:46 AM
Thanx, Live and learn. how about adding AU's w'o giving the SSN does that work for both personal and biz ? (not whole applynig for the card at later stage) 
Title: Re: Authorized users
Post by: Jm1248 on September 10, 2015, 09:16:26 AM
Thanx, Live and learn. how about adding AU's w'o giving the SSN does that work for both personal and biz ? (not whole applynig for the card at later stage)
Personal over the phone, biz even online
Title: Re: Authorized users
Post by: DaveInLA on September 10, 2015, 12:11:20 PM

1) yes
2) you dont

How were you able to create AU for personal without SSN?

I created separate login for my AU for the sake of taking advantage of AMEX Checkout offers.
Title: Re: Authorized users
Post by: gogreen on September 10, 2015, 01:00:35 PM
For a while now, I've been getting stuck at the last step when applying for AU's for my Hilton card online. It never gets past the spinning circle - "Please wait while we process your application". I have had success applying over the phone. I do not have this issue with other cards. Anyone know why this would be?
Title: Re: Authorized users
Post by: Marco Polo on September 10, 2015, 01:24:11 PM
For a while now, I've been getting stuck at the last step when applying for AU's for my Hilton card online. It never gets past the spinning circle - "Please wait while we process your application". I have had success applying over the phone. I do not have this issue with other cards. Anyone know why this would be?
Are you at the limit for that card?
Title: Re: Authorized users
Post by: gogreen on September 10, 2015, 01:39:43 PM
Are you at the limit for that card?
No, I had 0 when it started happening; now I got 5 over the phone.
Title: Re: Authorized users
Post by: Jm1248 on September 10, 2015, 05:59:18 PM
No, I had 0 when it started happening; now I got 5 over the phone.
Maybe its your computer/connection? Did you try a different one?
Title: Re: Authorized users
Post by: Marco Polo on September 10, 2015, 08:14:22 PM
Or different browser.
Title: Re: Authorized users
Post by: justaregularguy on September 10, 2015, 11:35:50 PM
For a while now, I've been getting stuck at the last step when applying for AU's for my Hilton card online. It never gets past the spinning circle - "Please wait while we process your application". I have had success applying over the phone. I do not have this issue with other cards. Anyone know why this would be?
it happened to me once and I closed the page and reopened it and the au's were on my account.not saying that's the rule rather the exception.just check ur au's to see if anything popped up
Title: Re: Authorized users
Post by: gogreen on September 11, 2015, 12:35:15 AM
Maybe its your computer/connection? Did you try a different one?

 
Or different browser.

 
it happened to me once and I closed the page and reopened it and the au's were on my account.not saying that's the rule rather the exception.just check ur au's to see if anything popped up

I've tried different computers. Its been happening consistently for almost three weeks. I've only been using Internet Explorer, but I don't think that's the issue as at the same time that Hilton AUs get stuck Everyday AUs get approved.
Title: Re: Authorized users
Post by: Brian93 on September 11, 2015, 01:39:39 AM
I can't find the additional cardholder settings for biz au's on my account. Do I need to add them to my account / make new?
Title: Re: Authorized users
Post by: Jm1248 on September 11, 2015, 09:09:12 AM
I can't find the additional cardholder settings for biz au's on my account. Do I need to add them to my account / make new?
To view them in your regular account?
Title: Re: Authorized users
Post by: Brian93 on September 11, 2015, 09:38:36 AM
To view them in your regular account?
Yes, I want to see the under card management just like personal cards, but I don't get that option
Title: Re: Authorized users
Post by: Jm1248 on September 11, 2015, 09:58:50 AM
Yes, I want to see the under card management just like personal cards, but I don't get that option
You need to add them to your account
Title: Re: Authorized users
Post by: gogreen on September 11, 2015, 11:44:43 AM
Or different browser.
Well, I tried using Chrome today & it went through! Thanks for the suggestion.
Title: Re: Authorized users
Post by: Jm1248 on September 11, 2015, 12:59:15 PM
Well, I tried using Chrome today & it went through! Thanks for the suggestion.
No rhyme or reason for these things sometimes. They just happen
Title: Re: Authorized users
Post by: justaregularguy on September 11, 2015, 03:57:06 PM
I just got off phone w Experian and eq. weird thing: I was telling them some of my amex account numbers, last 5 etc. and none were showing up. equafax was a little more helpful in informing me that amex doesn't send the bureaus the same # as on ur cc itself so none of my numbers were matching! did anybody else have this experience?? ??? :o
Title: Re: Authorized users
Post by: Marco Polo on September 11, 2015, 05:02:11 PM
I just got off phone w Experian and eq. weird thing: I was telling them some of my amex account numbers, last 5 etc. and none were showing up. equafax was a little more helpful in informing me that amex doesn't send the bureaus the same # as on ur cc itself so none of my numbers were matching! did anybody else have this experience?? ??? :o
The numbers on your reports are not the same as your numbers. That's just how it goes.
Title: Re: Authorized users
Post by: Jm1248 on September 11, 2015, 05:49:03 PM
I just got off phone w Experian and eq. weird thing: I was telling them some of my amex account numbers, last 5 etc. and none were showing up. equafax was a little more helpful in informing me that amex doesn't send the bureaus the same # as on ur cc itself so none of my numbers were matching! did anybody else have this experience?? ??? :o
The numbers on your reports are not the same as your numbers. That's just how it goes.
Only with amex. Officially for security reasons
Title: Re: Authorized users
Post by: justaregularguy on September 12, 2015, 09:42:50 PM
Only with amex. Officially for security reasons
wow thanks for telling me guys! :D so how do I find out how many cards are on my report? just by number(how many cards) not by number(account number)? ??? do you guys all know ur numbers related to ur cc's?
Title: Re: Authorized users
Post by: Marco Polo on September 12, 2015, 09:43:52 PM
wow thanks for telling me guys! :D so how do I find out how many cards are on my report? just by number(how many cards) not by number(account number)? ??? do you guys all know ur numbers related to ur cc's?
Once you have the report, just count up the AU accounts.
Title: Re: Authorized users
Post by: justaregularguy on September 12, 2015, 09:54:19 PM
Once you have the report, just count up the AU accounts.
ok the rep anyway sed she saw only 4 amex cards on my account which is good. by the way is there a reason why the 10 credit for amex checkout only appeared on my primary cards? my au cards still show a balance of .49 n .99?
Title: Re: Authorized users
Post by: Hamavin on September 12, 2015, 11:39:25 PM
Is there anything to be concerned about adding aus that have credit card settlements and huge overall debt?
Title: Re: Authorized users
Post by: Marco Polo on September 12, 2015, 11:46:38 PM
Is there anything to be concerned about adding aus that have credit card settlements and huge overall debt?
Will likely affect the AU's credit.
Title: Re: Authorized users
Post by: Jm1248 on September 13, 2015, 12:03:18 AM
Is there anything to be concerned about adding aus that have credit card settlements and huge overall debt?
Will likely affect the AU's credit.
I think he means the au has his/her own debt. Not that the cardholder has debt
Title: Re: Authorized users
Post by: Chapshnell on September 13, 2015, 02:39:58 AM
Is there anything to be concerned about adding aus that have credit card settlements and huge overall debt?

Just dont add the ssn
Title: Re: Authorized users
Post by: David Smith on September 13, 2015, 02:45:51 AM
Just dont add the ssn
Being an AU on a clean account can only help them, no? It'll adversely affect you?
Title: Re: Authorized users
Post by: Jm1248 on September 13, 2015, 07:26:29 AM
Being an AU on a clean account can only help them, no? It'll adversely affect you?
It should be fine.
Title: Re: Authorized users
Post by: Hamavin on September 13, 2015, 11:55:36 AM
Confused....is it bad for a guy with good credit to add au with bad credit?
Title: Re: Authorized users
Post by: Jm1248 on September 13, 2015, 12:00:18 PM
Confused....is it bad for a guy with good credit to add au with bad credit?
No
Title: Re: Authorized users
Post by: Chapshnell on September 17, 2015, 09:52:15 AM
anyone mind updating the wiki, still a few CC's without answers. TYVM  :)
Title: Re: Authorized users
Post by: D93 on September 17, 2015, 10:13:52 AM
anyone mind updating the wiki, still a few CC's without answers. TYVM  :)

MB Plat is $175 for 3 au's.
Title: Re: Authorized users
Post by: leeboy on September 17, 2015, 10:16:17 AM
Are you able to add yourself as an AU without adding your social?
Title: Re: Authorized users
Post by: Emkay on September 17, 2015, 10:16:56 AM
Are you able to add yourself as an AU without adding your social?
Yes
Title: Re: Authorized users
Post by: Chapshnell on September 17, 2015, 10:29:17 AM
MB Plat is $175 for 3 au's.

not worth it IMO. but thanks anyways :)
Title: Re: Authorized users
Post by: TimT on September 17, 2015, 10:31:08 AM
Were old au's added on to the CR as well or only new au's starting from a certain time ?
Title: Re: Authorized users
Post by: noturbizniss on September 17, 2015, 11:20:19 AM
Were old au's added on to the CR as well or only new au's starting from a certain time ?
I have looked at an updated EX and EQ report since the AU accounts were removed, and I am not seeing them added back in. I am seeing the new AU accounts i added in august, but none with dates from nov-apr/may.
Title: Re: Authorized users
Post by: TimT on September 17, 2015, 11:22:54 AM
I have looked at an updated EX and EQ report since the AU accounts were removed, and I am not seeing them added back in. I am seeing the new AU accounts i added in august, but none with dates from nov-apr/may.
The first time you looked at your report & realized there's au's on it, were any of those from a few years ago ?
Title: Re: Authorized users
Post by: noturbizniss on September 17, 2015, 11:25:42 AM
The first time you looked at your report & realized there's au's on it, were any of those from a few years ago ?
Yup
Title: Re: Authorized users
Post by: @Yehuda on September 17, 2015, 11:51:20 AM
I have Barclays and Chase AUs on my EX... what's up with that?
Title: Re: Authorized users
Post by: ChaimMoskowitz on September 17, 2015, 11:53:59 AM
I have Barclays and Chase AUs on my EX... what's up with that?
Don't worry I won't use the cards.  :P
Title: Re: Authorized users
Post by: noturbizniss on September 17, 2015, 11:57:09 AM
I have Barclays and Chase AUs on my EX... what's up with that?
What's the question? What. Shouldn't they be there?
Title: Re: Authorized users
Post by: @Yehuda on September 17, 2015, 11:57:53 AM
What's the question? What. Shouldn't they be there?
I thought only AMEX AU's show up. Why does everyone make a big stink about AMEX and not the others? Because you have 100s of AMEX ones and only a few of the others?

Don't worry I won't use the cards.  :P
;D
Title: Re: Authorized users
Post by: TimT on September 17, 2015, 11:59:58 AM
Why does everyone make a big stink about AMEX and not the others? Because you have 100s of AMEX ones and only a few of the others?
That would probably be the reason.
Title: Re: Authorized users
Post by: noturbizniss on September 17, 2015, 12:00:50 PM


? Because you have 100s of AMEX ones and only a few of the others?
 ;D
I think that's it. A couple new accounts here and there don't make a difference. But if your doing the general amex method correctly (not the CM method) then the theory is hundreds of new accounts isnt so good. Honestly I'm. Ot so convinced it matters for the actual score. Especially cuz i think each card has its own credit limit reported so you get that benefit while the card is open.
Title: Re: Authorized users
Post by: ChaimMoskowitz on September 17, 2015, 12:17:52 PM
But if your doing the general amex method correctly (not the CM method) then the theory is hundreds of new accounts isnt so good.
Have you noticed any change in getting approvals?
Title: Re: Authorized users
Post by: noturbizniss on September 17, 2015, 12:19:44 PM
Have you noticed any change in getting approvals?
I haven't applied for a card since Feb or so. I'm trying to clear my account of pulls in anticipation of a mortgage in the next year. I did have an issue in Feb with barclays saying too many new au accounts.
Title: Re: Authorized users
Post by: @Yehuda on September 17, 2015, 12:20:07 PM
I think that's it. A couple new accounts here and there don't make a difference. But if your doing the general amex method correctly (not the CM method) then the theory is hundreds of new accounts isnt so good. Honestly I'm. Ot so convinced it matters for the actual score. Especially cuz i think each card has its own credit limit reported so you get that benefit while the card is open.
CM method? What's what? 250K a month while sitting on your Tuchus?
Title: Re: Authorized users
Post by: ChaimMoskowitz on September 17, 2015, 12:20:50 PM
I did have an issue in Feb with barclays saying too many new au accounts.
Did you get it approved?
Title: Re: Authorized users
Post by: noturbizniss on September 17, 2015, 12:23:47 PM
Did you get it approved?
Had to HUCA 3 or 4  times and only got approved by shifting credit. they wouldn't add any new credit. I think nov-jan is when amex stopped backdating cards and they all showed up as new.
Title: Re: Authorized users
Post by: a mirrer on September 17, 2015, 12:57:33 PM
I think nov-jan is when amex stopped backdating cards and they all showed up as new.
more like march because my card from January showed up as open since my first account date
Title: Re: Authorized users
Post by: Ydad on September 17, 2015, 01:14:15 PM
I have Barclays and Chase AUs on my EX... what's up with that?
Same here. I only had Chase biz au's, though. That might make sense because the  Chase biz au's and Barclays au's have their own number.
Title: Re: Authorized users
Post by: Marco Polo on September 17, 2015, 01:14:50 PM
Business shouldn't be showing.
Title: Re: Authorized users
Post by: D93 on September 17, 2015, 01:45:51 PM
Same here. I only had Chase biz au's, though. That might make sense because the  Chase biz au's and Barclays au's have their own number.

Chase business cards aren't on your report.
Title: Re: Authorized users
Post by: Ydad on September 17, 2015, 02:01:38 PM
Business shouldn't be showing.
Oh that was my own assumption. (Report doesn't show full account #'s). Guess I was wrong.
Chase business cards aren't on your report.
Title: Re: Authorized users
Post by: ygygold on September 17, 2015, 03:57:25 PM
I'm sure this was asked before, but this thread is toooo long to read threw in עשרת ימי תשובה (busy doing Teshuva)...
I want to add a few AU's to my Amex cards, in time for SBS. Do I need real peoples names for this? What do I fill out in the SSN section?
Title: Re: Authorized users
Post by: Marco Polo on September 17, 2015, 03:58:39 PM
I'm sure this was asked before, but this thread is toooo long to read threw in עשרת ימי תשובה (busy doing Teshuva)...
I want to add a few AU's to my Amex cards, in time for SBS. Do I need real peoples names for this? What do I fill out in the SSN section?
If you can't read due to ^^, you should put real names.
Title: Re: Authorized users
Post by: ygygold on September 17, 2015, 04:02:03 PM
Good point, will that change if the reason is because I'm too busy with other things? Work, etc.
Title: Re: Authorized users
Post by: Marco Polo on September 17, 2015, 04:03:10 PM
Good point, will that change if the reason is because I'm too busy with other things? Work, etc.
Probably more of an ethical question, but you can add names without an issue.
Title: Re: Authorized users
Post by: ygygold on September 17, 2015, 04:04:26 PM
Probably more of an ethical question, but you can add names without an issue.
And what do I fill out for the ssn? If I can enter anything, does this mean they don't check anything about the au?
Title: Re: Authorized users
Post by: Marco Polo on September 17, 2015, 04:05:26 PM
And what do I fill out for the ssn? If I can enter anything, does this mean they don't check anything about the au?
you can call and add without initially adding SSN.
Title: Re: Authorized users
Post by: ygygold on September 17, 2015, 04:05:45 PM
Thank you!
Title: Re: Authorized users
Post by: noturbizniss on September 17, 2015, 04:24:59 PM
If you can't read due to ^^, you should put real names.
SKOOLED!
Title: Re: Authorized users
Post by: ygygold on September 17, 2015, 04:39:34 PM
SKOOLED!
Was trying to make a joke, but I guess I didn't come through as I wanted it to. In any case thanks for the help.
Title: Re: Authorized users
Post by: David Smith on September 17, 2015, 04:45:26 PM
I'm sure this was asked before, but this thread is toooo long to read threw in עשרת ימי תשובה (busy doing Teshuva)...
I want to add a few AU's to my Amex cards, in time for SBS. Do I need real peoples names for this? What do I fill out in the SSN section?

If you can't read due to ^^, you should put real names.
Wow. Ouch.
Title: Re: Authorized users
Post by: David Smith on September 17, 2015, 04:46:17 PM
you can call and add without initially adding SSN.
Made up birthdays are fine, no?
Title: Re: Authorized users
Post by: yoss6400 on September 17, 2015, 08:54:11 PM
Whats the minimum age to add a au
Title: Re: Authorized users
Post by: TimT on September 17, 2015, 08:54:47 PM
Whats the minimum age to add a au
Amex is 15
Title: Re: Authorized users
Post by: Jm1248 on September 17, 2015, 08:54:57 PM
Whats the minimum age to add a au
15
Title: Re: Authorized users
Post by: yoss6400 on September 17, 2015, 08:55:38 PM
15
Thanks! My daughter will have to wait a few years
Title: Re: Authorized users
Post by: Chapshnell on September 17, 2015, 11:59:57 PM
Thanks! My daughter will have to wait a few years

or not...
Title: Re: Authorized users
Post by: yoss6400 on September 18, 2015, 12:00:39 AM
or not...
Why any other options?
Title: Re: Authorized users
Post by: David Smith on September 18, 2015, 12:04:12 AM
Why any other options?
Not before Yom Kippur. Your daughter will have to wait a few days.
Title: Re: Authorized users
Post by: Chapshnell on September 18, 2015, 12:31:45 AM
Why any other options?

once upon a time tzadikim had kfitzas haderech  ;)
Title: Re: Authorized users
Post by: yoss6400 on September 18, 2015, 12:35:13 AM
once upon a time tzadikim had kfitzas haderech  ;)
How can i elivate to that level
Title: Re: Authorized users
Post by: Chapshnell on September 18, 2015, 12:35:47 AM
How can i elivate to that level

haha doesnt take much..
Title: Re: Authorized users
Post by: David Smith on September 18, 2015, 01:56:15 AM
How can i lower to that level
Ftfy
Title: Re: Authorized users
Post by: Chapshnell on September 18, 2015, 12:46:21 PM
on ddms Dan writes that the PRG has free green au's. I thought the max for this card is 5. can someone clarify please? can 94 green au's be added free?
Title: Re: Authorized users
Post by: David Smith on September 18, 2015, 12:49:33 PM
Annex just sent me an email to add up to five free AU's on BCE? I thought up to 99.
Title: Re: Authorized users
Post by: Chapshnell on September 18, 2015, 12:52:12 PM
Annex just sent me an email to add up to five free AU's on BCE? I thought up to 99.

bce?
Title: Re: Authorized users
Post by: David Smith on September 18, 2015, 12:55:04 PM
bce?
Blue cash everyday
Title: Re: Authorized users
Post by: Chapshnell on September 18, 2015, 12:56:14 PM
Blue cash everyday

99
Title: Re: Authorized users
Post by: Jm1248 on September 18, 2015, 12:58:46 PM
on ddms Dan writes that the PRG has free green au's. I thought the max for this card is 5. can someone clarify please? can 94 green au's be added free?
Not that this is necessarily reliable but cs told me a few days ago there are no fees for aus on green card
Title: Re: Authorized users
Post by: David Smith on September 18, 2015, 01:06:30 PM
99
That's what I thought. Where did five come from? Is it at all relevant?
(http://images.tapatalk-cdn.com/15/09/18/4381d78947f2bb765c082fe3c2b21f40.jpg)
Title: Re: Authorized users
Post by: Jm1248 on September 18, 2015, 01:12:15 PM
That's what I thought. Where did five come from? Is it at all relevant?
(http://images.tapatalk-cdn.com/15/09/18/4381d78947f2bb765c082fe3c2b21f40.jpg)
You can add 5 at a shot online
Title: Re: Authorized users
Post by: David Smith on September 18, 2015, 01:15:13 PM
You can add 5 at a shot online
K. Thanks. Not like adding online is really an option anyways...
Title: Re: Authorized users
Post by: ChaimMoskowitz on September 18, 2015, 02:46:13 PM
K. Thanks. Not like adding online is really an option anyways...
Why not?
Title: Re: Authorized users
Post by: David Smith on September 18, 2015, 02:57:45 PM
Why not?
I'd rather no ssn on the phone than making one up.
Title: Re: Authorized users
Post by: ChaimMoskowitz on September 18, 2015, 03:35:23 PM
I'd rather no ssn on the phone than making one up.
So now you have ethics?  :P
Title: Re: Authorized users
Post by: David Smith on September 18, 2015, 03:39:36 PM
No, I'd just rather not have a made up ssn on file.
Title: Re: Authorized users
Post by: Hamavin on September 18, 2015, 03:41:35 PM
If they sent me out the new cards with chip...Will anything affect my login? is it same card number?
Title: Re: Authorized users
Post by: benjie1305 on September 18, 2015, 03:45:02 PM
If they sent me out the new cards with chip...Will anything affect my login? is it same card number?

all the same
Title: Re: Authorized users
Post by: Ydad on September 18, 2015, 03:46:51 PM
If they sent me out the new cards with chip...Will anything affect my login? is it same card number?

all the same
Security code is different IIRC
Title: Re: Authorized users
Post by: shwarmabob on September 18, 2015, 04:05:59 PM
How do I apply for AUs on a AMEX online? I log in and I can't find the link?
Title: Re: Authorized users
Post by: benjie1305 on September 18, 2015, 04:17:51 PM
How do I apply for AUs on a AMEX online? I log in and I can't find the link?

Profile > Card Management > Add cardholders (or something of the sort)
Title: Re: Authorized users
Post by: Chapshnell on September 18, 2015, 04:32:04 PM
How do I apply for AUs on a AMEX online? I log in and I can't find the link?

just chat with them.. easy if youre adding a few
Title: Re: Authorized users
Post by: avrumy22 on September 21, 2015, 09:14:34 PM
all the same

Do i need to activate them?
Title: Re: Authorized users
Post by: TimT on September 21, 2015, 09:20:04 PM
Do i need to activate them?
They should work fine
Title: Re: Authorized users
Post by: Jm1248 on September 21, 2015, 09:47:00 PM
Do i need to activate them?
Nope
Title: Re: Authorized users
Post by: yakrot on September 21, 2015, 11:49:51 PM
Someone tried adding me as an au on their personal Plat today and Rep said he can't make it a green card only gold (or plat).. DROPR? HUCA?
Title: Re: Authorized users
Post by: keemster26 on September 22, 2015, 01:51:34 AM
Someone tried adding me as an au on their personal Plat today and Rep said he can't make it a green card only gold (or plat).. DROPR? HUCA?
I just added one yesterday...
Title: Re: Authorized users
Post by: yakrot on September 22, 2015, 01:56:20 AM
I just added one yesterday...
Thank you
Title: Re: Authorized users
Post by: keemster26 on September 22, 2015, 01:57:50 AM
Thank you
You're welcome
Title: Re: Authorized users
Post by: noturbizniss on September 22, 2015, 06:43:59 AM
I just added one yesterday...
So if can be done fee free, but only in the phone or chat?
Title: Re: Authorized users
Post by: rediplus on September 22, 2015, 10:02:11 AM
I tried to activate new AUs(like Moishe goldberg) and the phone system asks for SS# and tried  to make one up the phone system transferred me to a rep who then asked me questions like full SS# and then got a supervisor on the phone who asked for proof to be faxed in.
Title: Re: Authorized users
Post by: sguitarist18 on September 22, 2015, 10:55:35 AM
Wiki recommends not adding yourself as an AU with your own SSN because it'll be like a new account on your credit report - meaning, it'll double your open credit lines?
Title: Re: Authorized users
Post by: yakrot on September 22, 2015, 10:59:48 AM
Wiki recommends not adding yourself as an AU with your own SSN because it'll be like a new account on your credit report - meaning, it'll double your open credit lines?
Ppl have had issues getting approved for new cards (mostly Barclay or chase) bc of too many credit cards... It's up for debate whether or not it actually negatively impacts your score. Either way it's been reported in this thread that calling the credit bureaus you can convince them to remove the au accounts from your credit score
Title: Re: Authorized users
Post by: yakrot on September 22, 2015, 11:01:42 AM
I tried to activate new AUs(like Moishe goldberg) and the phone system asks for SS# and tried  to make one up the phone system transferred me to a rep who then asked me questions like full SS# and then got a supervisor on the phone who asked for proof to be faxed in.
Great example of why there is no need to add ss#'s. And why you should never make any up. (especially when there's no need to and you have nothing to gain by adding)
Title: Re: Authorized users
Post by: sguitarist18 on September 22, 2015, 11:12:26 AM
Meh....I don't open too many new cards, having more AMEX AUs is far more valuable to me.
Title: Re: Authorized users
Post by: yakrot on September 22, 2015, 11:13:50 AM
Meh....I don't open too many new cards, having more AMEX AUs is far more valuable to me.
And anyways it can be dealt with even if you do decide to open new cards... Different opinions as to how much of a PITA it is to remove them though
Title: Re: Authorized users
Post by: Jm1248 on September 22, 2015, 11:14:44 AM
Meh....I don't open too many new cards, having more AMEX AUs is far more valuable to me.
Why can't you do both?
Title: Re: Authorized users
Post by: noturbizniss on September 22, 2015, 11:16:49 AM
Wiki recommends not adding yourself as an AU with your own SSN because it'll be like a new account on your credit report - meaning, it'll double your open credit lines?
It did increase my credit line, while also reducing AAOA. My score didn't change much though
Title: Re: Authorized users
Post by: Marco Polo on September 22, 2015, 11:18:11 AM
It did increase my credit line, while also reducing AAOA. My score didn't change much though
They should zero that out for you.
Title: Re: Authorized users
Post by: noturbizniss on September 22, 2015, 11:20:15 AM
They should zero that out for you.
I assume it did since my score didn't change. Still, banks might question so many new accounts
Title: Re: Authorized users
Post by: noturbizniss on September 22, 2015, 12:46:17 PM
Just go around to checking my experian fico 8 again. I added a bunch more amex cards. My AAOA went down from 6 years to 4.9 years, my total credit went from 250ish to 650ish.  The one other big change was one of my cc went from 70% usage (15K/23K) to less than 10% (1k/23k), and my Experian fico 8 went from 789 to 808.
Title: Re: Authorized users
Post by: sguitarist18 on September 22, 2015, 01:45:58 PM
Ah...the AAOA is the major risk. I was wondering why people don't just open all the AUs in their own name.

If I open up more than one AU in the same family member's name, does the same thing apply to them?
Title: Re: Authorized users
Post by: benjie1305 on September 22, 2015, 01:46:51 PM
Ah...the AAOA is the major risk. I was wondering why people don't just open all the AUs in their own name.

If I open up more than one AU in the same family member's name, does the same thing apply to them?

I believe so. It will affect whoever the person you adds AAOA.
Title: Re: Authorized users
Post by: Chapshnell on September 22, 2015, 01:50:45 PM
dont add with ssn & avoid all these problems
Title: Re: Authorized users
Post by: sguitarist18 on September 22, 2015, 01:56:22 PM
But then deal with the issues when they ask for SSNs.
Title: Re: Authorized users
Post by: yakrot on September 22, 2015, 01:57:04 PM
AAOA?  It's not in the acronyms thread so please don't tell me to look there
Title: Re: Authorized users
Post by: Chapshnell on September 22, 2015, 01:57:30 PM
I think it means "average age of accts"
Title: Re: Authorized users
Post by: yakrot on September 22, 2015, 01:59:11 PM
I think it means "average age of accts"
Thank you
Title: Re: Authorized users
Post by: David Smith on September 22, 2015, 02:07:52 PM
I ordered three platinum AU's, got one platinum (addressed to au) and two gold (addressed to me)? Is this common? (AmEx is on a screw up roll for me. In two weeks, they double pulled credit, messed up au's, and froze accounts for a fr. Can't seem to get anything right.  I'm tempted to ask for compensation.) Btw experian number to dispute pull is 1888 397 3742? Thanks.
Title: Re: Authorized users
Post by: Ydad on September 22, 2015, 04:04:28 PM
Experian Customer Service
1 800-493-1058 I believe that's the number to dispute pulls.
Title: Re: Authorized users
Post by: Jm1248 on September 22, 2015, 04:19:44 PM
Experian Customer Service
1 800-493-1058 I believe that's the number to dispute pulls.
+1
Title: Re: Authorized users
Post by: noturbizniss on September 23, 2015, 10:45:49 PM
Ah...the AAOA is the major risk. I was wondering why people don't just open all the AUs in their own name.

If I open up more than one AU in the same family member's name, does the same thing apply to them?
but it also increases your CL. Like I said above my score has not changed. I added a bunch more AU's so Ill update in the next month with my new AAOA, CL, and scores. My guess is the scores won't change much.
Title: Re: Authorized users
Post by: Mplace on September 24, 2015, 12:25:25 AM
Is the only way to add without ss# by calling??
Or can it also be done on line?
Title: Re: Authorized users
Post by: TimT on September 24, 2015, 12:29:56 AM
Is the only way to add without ss# by calling??
Or can it also be done on line?
If you mean ordering them, business cards you could order online without ss#.
Title: Re: Authorized users
Post by: Mplace on September 24, 2015, 12:35:06 AM
If you mean ordering them, business cards you could order online without ss#.
and personal would require a ss# if doing on line?
No way around it?
Title: Re: Authorized users
Post by: Jm1248 on September 24, 2015, 12:40:12 AM
and personal would require a ss# if doing on line?
No way around it?
Right. Maybe via chat it can be done. Not sure.
Title: Re: Authorized users
Post by: TimT on September 24, 2015, 12:40:41 AM
and personal would require a ss# if doing on line?
Yes
No way around it?
Don't think so. Someone CMIIW
Title: Re: Authorized users
Post by: lfas25 on September 24, 2015, 01:05:30 AM
YesDon't think so. Someone CMIIW
Correct
Title: Re: Authorized users
Post by: Jm1248 on September 24, 2015, 01:22:15 AM
Correct
Even via chat?
Title: Re: Authorized users
Post by: lfas25 on September 24, 2015, 01:25:45 AM
Even via chat?
Depends on the rep that you are chatting with
Title: Re: Authorized users
Post by: sammy n on September 24, 2015, 01:53:19 AM
Is it ok that I don't activate a amex biz gold card AU that after using they emailed me to activate and I ignored?
Title: Re: Authorized users
Post by: Emkay on September 24, 2015, 02:05:57 AM
Is it ok that I don't activate a amex biz gold card AU that after using they emailed me to activate and I ignored?
I never had an issue. Mine aren't activated and I got those emails months ago
Title: Re: Authorized users
Post by: sammy n on September 24, 2015, 02:08:27 AM
I never had an issue. Mine aren't activated and I got those emails months ago
Thanx
Title: Re: Authorized users
Post by: MosheD on September 24, 2015, 04:35:26 AM
Just go around to checking my experian fico 8 again. I added a bunch more amex cards. My AAOA went down from 6 years to 4.9 years, my total credit went from 250ish to 650ish.  The one other big change was one of my cc went from 70% usage (15K/23K) to less than 10% (1k/23k), and my Experian fico 8 went from 789 to 808.
I just checked report and none of my AUs are listed by accounts.
Is AAOA still at risk?
Where can I see it?
Title: Re: Authorized users
Post by: noturbizniss on September 24, 2015, 07:29:03 AM
I just checked report and none of my AUs are listed by accounts.
Is AAOA still at risk?
Where can I see it?
Amex AUs? When did you add them?
Title: Re: Authorized users
Post by: benjie1305 on September 24, 2015, 08:38:06 AM
I just checked report and none of my AUs are listed by accounts.
Is AAOA still at risk?
Where can I see it?

If they are not on the report, they are not doing anything to your AAOA.
Title: Re: Authorized users
Post by: chayal101 on September 24, 2015, 01:07:28 PM
So i managed to get out of Socials for AU and i activated the cards... But i got in the mail a letter asking me to provide SSN, can i ignore those letters?? Will my cards continue to work ??
Title: Re: Authorized users
Post by: lfas25 on September 24, 2015, 01:08:50 PM
So i managed to get out of Socials for AU and i activated the cards... But i got in the mail a letter asking me to provide SSN, can i ignore those letters?? Will my cards continue to work ??
Yes you could ignore them
Title: Re: Authorized users
Post by: Marco Polo on September 24, 2015, 01:11:22 PM
So i managed to get out of Socials for AU and i activated the cards... But i got in the mail a letter asking me to provide SSN, can i ignore those letters?? Will my cards continue to work ??
Yes you could ignore them
...and they will work.
Title: Re: Authorized users
Post by: chayal101 on September 24, 2015, 01:26:33 PM
Thanks guys! Was confirming for a friend too... She's on the line with an Amex rep now and he's ok with no Socials....
Title: Re: Authorized users
Post by: jbwan on September 25, 2015, 12:17:50 PM
I tired to find the answer this in the thread, and by searching, and couldnt  locate it. If someone is an AU on your card, can they apply for a sign up bonus with the same card on their own? ie I have an authorized user on my Avios card, can they apply for an Avios card on their own and still get the bonus? or does being an AU on a preexisting card cancel that?  Thanks!!
Title: Re: Authorized users
Post by: Marco Polo on September 25, 2015, 12:19:08 PM
I tired to find the answer this in the thread, and by searching, and couldnt  locate it. If someone is an AU on your card, can they apply for a sign up bonus with the same card on their own? ie I have an authorized user on my Avios card, can they apply for an Avios card on their own and still get the bonus? or does being an AU on a preexisting card cancel that?  Thanks!!
Yes.
Title: Re: Authorized users
Post by: jbwan on September 25, 2015, 12:23:13 PM
Yes.

thanks... I assume that yes means they CAN get the bonus. I don't have to cancel their AU card, correct? I appreciate  the help!
Title: Re: Authorized users
Post by: noturbizniss on September 25, 2015, 12:25:57 PM
thanks... I assume that yes means they CAN get the bonus. I don't have to cancel their AU card, correct? I appreciate  the help!
Correct. They do not need you to cancel their au card
Title: Re: Authorized users
Post by: Marco Polo on September 25, 2015, 12:26:17 PM
thanks... I assume that yes means they CAN get the bonus. I don't have to cancel their AU card, correct? I appreciate  the help!
Being an AU will not make you ineligible.
Title: Re: Authorized users
Post by: David Smith on September 25, 2015, 12:29:13 PM
Thanks guys! Was confirming for a friend too... She's on the line with an Amex rep now and he's ok with no Socials....
That's good. I don't know why i never thought of calling amex and asking then if i can use the card without ever adding socials, and just ignore the letters, even though the rules are that you have to.
Title: Re: Authorized users
Post by: Marco Polo on September 25, 2015, 12:30:21 PM
That's good. I don't know why i never thought of calling amex and asking then if i can use the card without ever adding socials, and just ignore the letters, even though the rules are that you have to.
Don't do that, just use the card.
Title: Re: Authorized users
Post by: @Yehuda on September 25, 2015, 02:24:05 PM
dont add with ssn & avoid all these problems
Has already been proven that AUs show up on your CR even if you don't give over your SSN as long as they have your DOB.
Title: Re: Authorized users
Post by: David Smith on September 25, 2015, 03:44:36 PM
Don't do that, just use the card.
I was joking.
Title: Re: Authorized users
Post by: grodnoking on September 25, 2015, 03:47:58 PM
I was joking.
People don't seem to be getting your jokes today
Title: Re: Authorized users
Post by: David Smith on September 25, 2015, 03:52:50 PM