Authorized users

[TimT]

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 ?

[lyla]

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.

[nobiggy]

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.

[noturbizniss]

+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

[nobiggy]

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)

[noturbizniss]

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

[TimT]

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 ?

[avromie7]

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

[Yaalili]

2500 UR for freedom

+5k for UA.

[benjie1305]

+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?

[mofreed]

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.......

[jl6647]

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

[mofreed]

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?

[jl6647]

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

[mofreed]

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?

[avromie7]

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

[mofreed]

so the whole point of au is to have credit history ex payments etc? it doesnt increase the avrg age?

[avromie7]

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

[mofreed]

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%

[avromie7]

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