Amex Supplementary Cards: do they have separate credit limits?

Stephen_C.

If it is a credit card and not a charge card, can a separate, lower credit limit be applied onto a supplementary card with American Express?

w211

I have the Platinum Cashback credit card with supplementary cards, and I believe that there is just one credit limit, which is shared between the main cardholder and the supplementary cards.

Stephen_C.

w211 wrote: »

I have the Platinum Cashback credit card with supplementary cards, and I believe that there is just one credit limit, which is shared between the main cardholder and the supplementary cards.

Thanks. That's a shame, as I don't think I'll be trusted with the cardholder's full limit!

For charge cards, do you know if it's possible to set a limit on supplementaries?

Alarae

I don't believe you can set limits on charge cards, as effectively they are 'limitless' as the bill has to be paid in full each month as it is not credit. Obviously there will be some instances it may decline if you make large purchases out of habit though.

OP, I understand you were declined for an Amex on a previous thread. Why don't you just apply for a different card and get your credit history up and then apply again in six months/one year? Being a supplementary card holder (I believe) will not get you a relationship with Amex nor a credit history. It sounds a bit like you simply want an Amex for.. Well, having one.

I'm a student and I got approved for the Platinum Cashback Card last month after a year or so of using my first credit cards and paying off every month. At least then you know that your card is your responsibility, and you won't have your transactions watched by the main cardholder.

Stephen_C.

Alarae wrote: »

I don't believe you can set limits on charge cards, as effectively they are 'limitless' as the bill has to be paid in full each month as it is not credit. Obviously there will be some instances it may decline if you make large purchases out of habit though.

OP, I understand you were declined for an Amex on a previous thread. Why don't you just apply for a different card and get your credit history up and then apply again in six months/one year? Being a supplementary card holder (I believe) will not get you a relationship with Amex nor a credit history. It sounds a bit like you simply want an Amex for.. Well, having one.

I'm a student and I got approved for the Platinum Cashback Card last month after a year or so of using my first credit cards and paying off every month. At least then you know that your card is your responsibility, and you won't have your transactions watched by the main cardholder.

Whilst initially I was looking to take advantage of the offer on the Gold Card, that is unlikely to happen now. So yes, I do want one simply for the sake of having one. Which do you recommend? Basic? I don't mind paying a small fee if it earns cashback/points.

My interest in being a supplementary holder is because I have been told on here and hinted by Amex themselves that this will help me with my future applications. But of course I would rather have my own!

zerog

Mate, just get the Luma 4% card that I posted about. If you want Avios, see if Lloyds will give you their new offer which I am going to post about now.

Points on an Amex are earned by the main cardholder and can't be transferred to the supplementary (unless the airline/hotel scheme permits this and there will be a fee)

Alarae

Stephen_C. wrote: »

Whilst initially I was looking to take advantage of the offer on the Gold Card, that is unlikely to happen now. So yes, I do want one simply for the sake of having one. Which do you recommend? Basic? I don't mind paying a small fee if it earns cashback/points.

My interest in being a supplementary holder is because I have been told on here and hinted by Amex themselves that this will help me with my future applications. But of course I would rather have my own!

I'd say either go with the new Luma, which is 4% cashback on supermarket and petrol spends (capped at £9 cashback per month) or the Capital One Classic Extra, which is 0.5% cashback on all unlimited spend and a £10 statement credit on your account anniversary if you pay on time each month.

Both are aimed at low/no/bad credit history individuals, so I would hazard a guess that you would get accepted for one of those. I know their might be a thought in your head about not wanting one of these 'bad' credit cards but the rewards they offer are actually pretty good, and mostly on par with prime cards.

Just use these for a year or so, build your history and then go and get your fancy Amex

reclusive46

Out of interest, does the Classic Extra provide the cash back on foreign purchases as well?