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Regular Contributor
Posts: 214
Registered: ‎08-02-2013
0

AMEX ACM + Backdating Scheme

Hi everyone,

 

So I was thinking about asking my dad to add me as an AU to his AMEX Costco card but when I asked whether or not he's missed payments, he replied with "many times". This scared me away since I did not want to have a bad credit history added to my own but I still wanted that AMEX membership date.

 

Is there a way to be added as an AU to secure a membership date that can be later used when I open my own AMEX card (to increase my AAoA) then quickly closely the AU before it reports to the credit bureaus on my credit report???

 

Thanks

Valued Contributor
Posts: 1,521
Registered: ‎03-24-2013
0

Re: AMEX ACM + Backdating Scheme

they wont back date au's anymore
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$10,000---------$9,750----------$5,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 761
Valued Contributor
Posts: 1,367
Registered: ‎04-20-2012
0

Re: AMEX ACM + Backdating Scheme

I thought they do backdate AUs/ACMs, but they backdate to the year the AU/ACM is added, not to the member since date of the primary cardholder.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: AMEX ACM + Backdating Scheme

@bribro

You are correct.

OP

Not sure what you are trying to do. It sounds like you want to jump on and off before it hits your cr. if so, why go through all of that and pick a card with better history, get your credit established and then apply?
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