Amex second cardholder

billfriendly

Just a quick one folks:

The other half has agreed to get a second AMEX chargecard in my name.

They've sent us a form to fill out to agree to be jointly, and severally liable, which is fine.

Does this generate a credit check on the second cardholder? Thanks!

goaroundnow

They have told me - definitely not

[Deleted User]

Hmm.... I'm not so sure. I applied recently for a supplementary platinum cash back credit card for my girlfriend. They asked for proof of ID and address (certified copy of passport and a utility bill).

I'm not sure if they conducted a crdit check, per se, but it wasn't as simple as I thought it would be. Then again, there might be a difference between the charge and credit cards.

goaroundnow

They have categorically told me (today, funnily enough) that NO credit check is performed for supplementary holders. An ID check may be but this is not a credit search or visible to other lenders.

pleasedelete

I have just added my 18 year old onto mine. Called on their 18th. Card will be here within days. No mention credit check. I 'might' have to sign a form. Charge card.

billfriendly

Thanks folks, just a form here, no ID asked for.

No credit check - awesome!

Looking forward to more foursquare deals now!!!

InsideInsurance

billfriendly wrote: »

Just a quick one folks:

The other half has agreed to get a second AMEX chargecard in my name.

They've sent us a form to fill out to agree to be jointly, and severally liable, which is fine.

Does this generate a credit check on the second cardholder? Thanks!

No credit check, in theory there should be an ID check. I say in theory because I added an overseas person and was told over the phone to use my address rather than theirs and when the automatic ID check fails I'd just need to send a scan of their passport but they just sent the card without asking for the ID.

It also doesnt create a financial association with the CRAs

reclusive46

InsideInsurance wrote: »

No credit check, in theory there should be an ID check. I say in theory because I added an overseas person and was told over the phone to use my address rather than theirs and when the automatic ID check fails I'd just need to send a scan of their passport but they just sent the card without asking for the ID.

It also doesnt create a financial association with the CRAs

It often depends on what you put as your relationship with them. They rarely ever do a id check on family.

InsideInsurance

reclusive46 wrote: »

It often depends on what you put as your relationship with them. They rarely ever do a id check on family.

I was just going by what they said over the phone, the persons legal name was too long to fit on a card and the online form didnt give me any choice on how to truncate it hence going to the phone