Account Manager or Authorized User?

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Michael
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Account Manager or Authorized User?

Postby Michael » Sun Nov 10, 2013 7:22 am

My wife just applied for the Costco AMEX. She can add me on as an authorized user or an Account Manager. What's the difference?

Does this count on my credit report the same as one of my own cards?


GoCreditGo!
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Postby GoCreditGo! » Sun Nov 10, 2013 7:32 am

I was curious about this too. In my conversations with them, I think an Account Manager is able to do more than just use the card. ie. They can check balances on all cards under the account.

Michael wrote:My wife just applied for the Costco AMEX. She can add me on as an authorized user or an Account Manager. What's the difference?

Does this count on my credit report the same as one of my own cards?

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Z06Biker
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Postby Z06Biker » Sun Nov 10, 2013 5:53 pm

They can pay your cards off, too. Pretty much like giving someone else the same access that you have, although I'm guessing you have the ability to specify exactly what their limitations are, just like a system owner can do with a system admin on a computer.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

GoCreditGo!
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Postby GoCreditGo! » Mon Nov 11, 2013 8:00 am

With the exception of authorizing more users I think.

Z06Biker wrote:They can pay your cards off, too. Pretty much like giving someone else the same access that you have, although I'm guessing you have the ability to specify exactly what their limitations are, just like a system owner can do with a system admin on a computer.

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Z06Biker
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Postby Z06Biker » Tue Nov 12, 2013 7:01 pm

Correct. No daisy-chaining allowed!
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

makwa3
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Postby makwa3 » Wed Nov 13, 2013 12:55 am

Has there been a true answer to his credit question? Does it count the same on his credit as it does his own? My opinion is that it does not, because they run a soft inquiry on the additional users. It does however show up in your credit reporting, but as far as if for instance a mortgage lender sees that in pulling your credit, I am not sure. Hopefully someone can shed some light on that?
Credit Cards:
Visa - barclaycardUS White, Nordstrom, 1st Financial Bank
AMEX - PR Gold Card, Delta Reserve Business, Blue Sky, Gold Delta

flan
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Postby flan » Wed Nov 13, 2013 6:05 pm

makwa3 wrote:Has there been a true answer to his credit question? Does it count the same on his credit as it does his own? My opinion is that it does not, because they run a soft inquiry on the additional users. It does however show up in your credit reporting, but as far as if for instance a mortgage lender sees that in pulling your credit, I am not sure. Hopefully someone can shed some light on that?


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