So I'm new to the forum. I've been visiting this forum for some time now and just recently decided to make an account. Anyways, I have a question or two about AMEX Authorized Users
So I'm currently 15 (I know, what the hell am I doing on a CC forum?!) and have been using debit cards and prepaid cards for like two years. I think they're a great way to teach people my age how to handle their finances responsibly. I even have the American Express prepaid card! Anyways, my grandmother has had an American Express Costco card for almost a year now. And I've been reading a lot about how people who are age 15+ can be added as an authorized user and get their own card and everything. I think this would be excellent because not only could I shop at costco on my own when I get my car, but I could also run errands! Also, I've educated myself on credit and what to and not to do with it. THAT being said, I have two questions:
1) Assuming I get added as an Authorized User, will this start a credit profile or establish a relationship with AMEX so when I turn 18 I will have an easier time getting one of their lower-tier cards like a Green or Delta Gold?
2) As a 'selling point' for convincing her to add me as an AU, Could she set a pre-defined limit on my card specifically? Or do they have some sort of controls The credit line is significant, so I wouldn't want her to think I would rack up a ton of charges and be an irresponsible teen. Obviously I would treat it like a debit card.
Thanks for your help/reading!