Ashley Wade, WalletHub Analyst
@shlee
American Express credit card authorized users can be denied if they are younger than 13 years old or if they have a bad history with Amex, such as past defaults or lawsuits with the company.
If you were denied authorized user status on an Amex credit card, your best course of action is to try a card from a different issuer or focus on improving your credit score. This includes paying bills on time, lowering your credit utilization, and avoiding new negative marks on your credit report.
Amex Credit Card Authorized User Requirements
- Must be added by the primary cardholder
- Minimum age is 13
- Name and date of birth required
- A Social Security Number may be requested
- Follows cardmember terms
Over time, as your credit improves and any past issues with Amex become less relevant, you should make occasional attempts to become an Amex credit card or to apply for an Amex credit card.
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People also ask
Does American Express report authorized users to credit bureaus?
Yes, American Express reports authorized users to credit bureaus. American Express will report authorized users who are at least 18 years old to all three of the major credit bureaus – TransUnion, Equifax, and Experian – soon after they’re added to a primary cardholder’s account. Once it begins reporting an authorized user to the credit bureaus, American Express will provide all account activity, both positive and negative, to the credit bureaus once a month.
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read full answer by Chip Lupo, Credit Card WriterHow do I add an American Express authorized user?
You can add an American Express authorized user online or by phone, at 1 (800) 528-4800. With either method of adding an Amex authorized user, you will need to provide some basic information about the authorized user, including their name, birthdate and Social Security number. Adding a user online is probably the easier method, though.
How to Add an American Express Authorized User Online
- Log in to your account and click on your credit...
How do I contact the American Express reconsideration line?
To request reconsideration for a rejected American Express credit card application, call American Express customer service and ask a representative to direct you to the reconsideration department. Asking for reconsideration is a way for you to request a second review of your application and potentially get a denial overturned.
What You Need for American Express Reconsideration
If you call to request reconsideration from American Express, make sure you are prepared to make an...
read full answer by Adam McCann, Financial WriterDid we answer your question?
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