topic Re: Adding under 18 as authorized user on amex in Credit Cards

Adding under 18 as authorized user on amex

DeadSpider — Wed, 10 Oct 2012 16:31:06 GMT

I just wonder what will happen if I add my child born in 2011 almost 1 now to my wife's card BCP that was open this year 2012 or my SKY card from 1999.

I've read it might be some age limit but how will Amex know, I might give it a ago on BCP since it's a card after she was born.

Anybody has done this ?

Who know Amex backdating 17 years from now LOL.

Re: Adding under 18 as authorized user on amex

jd5189 — Wed, 10 Oct 2012 16:33:06 GMT

Amex asks for the SS# and birthdate for an authorized user. I believe Amex AU policy is age 15 or above.

Re: Adding under 18 as authorized user on amex

DeadSpider — Wed, 10 Oct 2012 16:45:42 GMT

They ask for age ? I knew about SS#.

Re: Adding under 18 as authorized user on amex

jd5189 — Wed, 10 Oct 2012 16:50:45 GMT

By asking for the birthdate, yes they are asking for age.

Re: Adding under 18 as authorized user on amex

crunching_numbers — Wed, 10 Oct 2012 16:55:40 GMT

DeadSpider wrote:
They ask for age ? I knew about SS#.

I added my teenagers to BCP and they received a card with the current year and were not backdated. They asked for the birth dates.

Re: Adding under 18 as authorized user on amex

injustifiiable — Wed, 10 Oct 2012 18:28:22 GMT

They have to be at least 15.

Looks like they aren't backdating AU's cards to the Primary cardholder's member date...hopefully they will get backdated when they get their own cards later on.

Re: Adding under 18 as authorized user on amex

jd5189 — Wed, 10 Oct 2012 18:40:07 GMT

injustifiiable wrote:
They have to be at least 15.

Looks like they aren't backdating AU's cards to the Primary cardholder's member date...hopefully they will get backdated when they get their own cards later on.

Even this is seeming to disappear. I have seen some people successful with backdating when they were an AU. But, more recently, Amex's policy for backdating is only applicable to members who were the primary account holder. I imagine, in the future, the chances of this will not at all be happening.

Re: Adding under 18 as authorized user on amex

injustifiiable — Wed, 10 Oct 2012 18:43:24 GMT

jd5189 wrote:
injustifiiable wrote:
They have to be at least 15.

Looks like they aren't backdating AU's cards to the Primary cardholder's member date...hopefully they will get backdated when they get their own cards later on.

Even this is seeming to disappear. I have seen some people successful with backdating when they were an AU. But, more recently, Amex's policy for backdating is only applicable to members who were the primary account holder. I imagine, in the future, the chances of this will not at all be happening.

This is true. Policy seems to be changing every minute...who knows what it'll be like 15 years from now!

Re: Adding under 18 as authorized user on amex

Koop10010 — Wed, 10 Oct 2012 18:45:41 GMT

jd5189 wrote:
injustifiiable wrote:
They have to be at least 15.

Looks like they aren't backdating AU's cards to the Primary cardholder's member date...hopefully they will get backdated when they get their own cards later on.

Even this is seeming to disappear. I have seen some people successful with backdating when they were an AU. But, more recently, Amex's policy for backdating is only applicable to members who were the primary account holder. I imagine, in the future, the chances of this will not at all be happening.

+1 Amex requires additional cardmembers to be atleast 15. Even if they could somehow get a card, counting on Amex backdating them to this year 17 years from now is hoping for a lot. I realize you're trying to do your kid a favor, but frankly, it's just way to early to worry about your kid's credit.

Re: Adding under 18 as authorized user on amex

snowkitty — Wed, 10 Oct 2012 19:04:39 GMT

I didn't know you could even add your kids to a card under 18. Is this just an amex thing? My kids are 15 & 10 .... do people do this to build their credit or give them ability to shop?

Re: Adding under 18 as authorized user on amex

CribDuchess — Wed, 10 Oct 2012 20:37:58 GMT

snowkitty wrote:
I didn't know you could even add your kids to a card under 18. Is this just an amex thing? My kids are 15 & 10 .... do people do this to build their credit or give them ability to shop?

I added my 15-year old son to my BCE and Optima cards earlier this year. My primary reason was to teach him about credit. But I also added him so that he could earn cash back and rewards points for me. I figure he's out spending my money anyway, he might as well earn some rewards for me.

Re: Adding under 18 as authorized user on amex

GBPac12 — Thu, 11 Oct 2012 00:04:32 GMT

CribDuchess wrote:
snowkitty wrote:
I didn't know you could even add your kids to a card under 18. Is this just an amex thing? My kids are 15 & 10 .... do people do this to build their credit or give them ability to shop?

I added my 15-year old son to my BCE and Optima cards earlier this year. My primary reason was to teach him about credit. But I also added him so that he could earn cash back and rewards points for me. I figure he's out spending my money anyway, he might as well earn some rewards for me.

LOL...

I actually just added my younger brother and sister to my Discover. It back dated them to 2009, giving them 2-3ish years of good credit history. I am glad I learned about credit at the age I did, I will try to pass that on. Here is hoping for more credit bliss LOL...

I also didn't realize that there was a minimum age for Amex, or AU in general. I just gave my sister and brothers names when adding them to my Discover, not to sure if that just varies from CCC to CCC.

Re: Adding under 18 as authorized user on amex

DeadSpider — Thu, 11 Oct 2012 00:15:22 GMT

Giving credit to kids as AU with Amex helps how to be responsible with credit and with AMEX you can cap AU's limit.

Re: Adding under 18 as authorized user on amex

TNTransplant — Thu, 11 Oct 2012 00:19:09 GMT

DeadSpider wrote:
Giving credit to kids as AU with Amex helps how to be responsible with credit and with AMEX you can cap AU's limit.

This. Just added my 15yo nephew this month as a way to (hopefully) build an Amex history for future backdating, and to teach him to use credit responsibly. Hopefully I can teach him to avoid the same mistakes I made starting out. Also, Amex is great about letting you cap AU limits/keeping an eye on the card.