Thanks for the advice, very useful!
So... when I become an authorized user, does my history and credit score basically become a clone of my parent's? Or will my score be some arbitrary number, lower than theirs?
Your fico score may say in the high 700s, but you will still get rejected by a lot of people
Because they can see that I'm an AU? Or because a high 700s credit score wouldn't have been good enough for a lot of people anyway?
yes get on Amex and register card online to lock in your member date.
Can you please elaborate on why this is a good idea?
If the card has an annual fee, and I'm added as an AU, do we both have to pay the fee?
More than becoming an AU, I'm actually interested in starting a joint account with a parent, in order to be more responsible for the account (something which hopefully credit agencies would take note of?). However, I'm not sure if Amex allows that; I've read that they only allow AUs.