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American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
CC Deville
Centurion Member
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Location: Phoenix

Postby CC Deville » Sat Mar 24, 2012 4:40 pm

irvine801 wrote:I see. Ok cool. Idk anything about bk's haha


That is a good thing. I used to work in the bankruptcy department for a credit card bank so I saw it all. Lots of bankruptcies in Utah strangely enough. Must be hard feeding all those mouths. Boo yah!


CC Deville
Centurion Member
Centurion Member
 
Posts: 1075
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Sat Mar 24, 2012 4:42 pm

irvine801 wrote:Well thanks for that. Good info. I just wanted her to have my card in case she needed to get something if I'm working or not at home. But hey that's good to know. Yeah secured I'm thinking is a good start but we shall see. Another question. Should I remove her off my accounts when she does the bk? She's an auth user on my discover Chase and Citi I believe.


It really shouldn't matter to any bank if an authorized user files for a bankruptcy as the primary, you, is fully responsible for all charges made to the card. I do know that Citibank will find out about bankruptcies and they will close accounts-that is if the primary files. You should be fine as long as your credit is good.

Celestine
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Location: Los Angeles, California

Postby Celestine » Sat Mar 24, 2012 9:04 pm

irvine801 wrote:Well thanks for that. Good info. I just wanted her to have my card in case she needed to get something if I'm working or not at home. But hey that's good to know. Yeah secured I'm thinking is a good start but we shall see. Another question. Should I remove her off my accounts when she does the bk? She's an auth user on my discover Chase and Citi I believe.


Just to be on the safe side for the sake of your good credit history, remove her as an authorized user before she files for a bk.

You sir is too kind to have her as an authorized user. She's a lucky woman to have you.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln

irvine801
Centurion Member
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Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Sat Mar 24, 2012 10:07 pm

CC Deville wrote:That is a good thing. I used to work in the bankruptcy department for a credit card bank so I saw it all. Lots of bankruptcies in Utah strangely enough. Must be hard feeding all those mouths. Boo yah!


There aren't any cool rich people in Utah :'( hahahaha funny. Thanks Celestine ;) beside from her,my family and my car, credit is one if the most important things I have. I do trust her a lot so its cool. Besides , if anything happens with any of the accounts I have access to her checking account ;) Hahaha jk. Ok sounds good deville. Thanks you guys!
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

irvine801
Centurion Member
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Posts: 329
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Location: Salt lake city, UT

Postby irvine801 » Sat Mar 24, 2012 10:10 pm

CC Deville wrote:It really shouldn't matter to any bank if an authorized user files for a bankruptcy as the primary, you, is fully responsible for all charges made to the card. I do know that Citibank will find out about bankruptcies and they will close accounts-that is if the primary files. You should be fine as long as your credit is good.


Ok cool that's good..yeah same with discover. As soon as they find out even if they exclude they either revoke and close the account.t or drop the credit line to something very very small.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

CC Deville
Centurion Member
Centurion Member
 
Posts: 1075
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Sun Mar 25, 2012 7:14 am

irvine801 wrote:Ok cool that's good..yeah same with discover. As soon as they find out even if they exclude they either revoke and close the account.t or drop the credit line to something very very small.


You really should be fine. Since you aren't filing there really should be no legal or even bank reason to touch your accounts. However, as far as your original question, I would wait on the AMEX until after her bky is discharged. At the very worst, they will decline adding her to the account.

irvine801
Centurion Member
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Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Sun Mar 25, 2012 12:14 pm

Wow I didnt know they could do that.. well shoot thanks deville. Your advice is always appreciated.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

Crashem
Centurion Member
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Posts: 538
Joined: Fri Mar 09, 2012 9:29 am
Location: San Francisco, CA

Postby Crashem » Mon Mar 26, 2012 2:50 pm

Irvine801,

You need to completely separate yourselfs (credit wise) before she BKs. While ideally, it shouldn't affect you. The reality is that often times there are problems. Get her off all your cards. Complete separation. Also, make sure she BKs before you guys get married. Although I would advise adding her to AMEX for one month and make sure she registers for online account with authorized AMEX card and then cancelling the card the next month. The reason is to create an early member date for her with AMEX. AMEX reports to bureaus for authorized users. But her credit shouldn't matter unless she owes them money.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Mon Mar 26, 2012 9:22 pm

She has never had an amex. I'm just scared my major cards will be closed somehow due to risk because her doing a bk. So just to be safe ill prob just remove then re add her. Thanks :)
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

Crashem
Centurion Member
Centurion Member
 
Posts: 538
Joined: Fri Mar 09, 2012 9:29 am
Location: San Francisco, CA

Postby Crashem » Tue Mar 27, 2012 12:07 am

irvine801 wrote:She has never had an amex. I'm just scared my major cards will be closed somehow due to risk because her doing a bk. So just to be safe ill prob just remove then re add her. Thanks :)


If there are no fees for additional amex card, add her now and remove her after a month to establish her member date. That way when you add her back post BK, she will have her original member date of this year. But really get her off all your stuff before she BKs or you are likely to have some problems.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k



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