Can I be added to my girlfriends personal Amex platinum card as an authorized user if I owe Amex $30k on an Amex platinum business card from 5 years ago? Amex stopped trying to collect over 3 years ago. Haven't heard from them since and it never went on my credit (when the account was in good standing OR after it went into collections). My states SOL has past too. So can I be an authorized user? Will adding me open me up to collection efforts again?