- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
My own personal findings with Amex are if you get an American the CS is great. If you get one of their offshored CS, it's not so great. Just personal experience there. I'm not sure why people sometimes doubt you get what you pay for - if cheap is all that matters, cheap usually isn't as good.
Anyway hopefully you will continue to deal with good CS and not have the experiences with the foreign script readers that others have had.
Whenever I've gotten an Amex card it took 3 business days from approval date to receive it.
I'm confused though - first you say you applied and were instantly approved then you say it's really your mother's card and you are an authorized user? Did I completely misunderstand what you are saying because I'm seeing two different things here. Did your mother actually apply and get the account instantly approved then make you an authorized user? I'm unclear as to what's going on.
As an authorized user you do not have quite the level of control of the primary account holder, of course. You can discuss most things with CS I woiuld imagine though.
If you are an authorized user your mother can set any limit up to the limit of the card she wants for you to have on it. If she sets no hard limit below the credit limit, you have the credit limit available, and you have no restrictions on spending that she doesn't have.
It's the same account number I believe all they change is the security code on the card, an an authorized user yours will be different from hers. That's how they differentiate them.
This information is from past experience I had allowing an authorized user on my account.
A word of advice, it's free and worth what you pay for it so take it or leave it, but be VERY careful that you do not spend more on this card consistently than your mother does. I've read on various sites that having an Authorized User spending more than the primary account holder is one of the possible triggers of financial review by American Express. I'm not going to sit here and detail what financial review is and what it entails you can get that by doing a "Google" search and I need to go to work, just be aware of this.