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Frequent Contributor
Posts: 386
Registered: ‎01-20-2012
0

AMEX Additional Cardholders

Two questions regarding Amex additional cardholders that I hope someone has the answers to:

 

1. If I add my SO who used to have Amex cards with a member since date of 1999 as an additional cardholder to my new Zync would their member since date be backdated to 1999? Long story short, my SO was forced to close the Amex cards when buying a house 6 years ago since the loan officer or underwriter was concerned about how much available credit there was.

 

2. If I add my SO would MY member since date backdate to 1999??

 

An affirmative answer to either one of these would be fantastic.

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Established Contributor
Posts: 731
Registered: ‎02-15-2012
0

Re: AMEX Additional Cardholders

The answer to #2 is definitely no and I would think the answer to #1 is a no too.  Amex has curbed backdating with additional cardmembers recently.  I'm not sure exactly to what extent though and it might depend no which rep answers the phone when you call to ask.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Super Contributor
Posts: 7,489
Registered: ‎12-11-2011
0

Re: AMEX Additional Cardholders

#1 - I don't think so. As an additional cardholder you just inherit the primary's account history. On the other hand, if they were to open an account today, they're amex would be backdated to 1999 (provided they were either a) in the system still, or b) (if not still in system) could supply proof of their membership from 1999. 

 

#2 - I would say definitely not to this. 



Frequent Contributor
Posts: 411
Registered: ‎05-01-2010
0

Re: AMEX Additional Cardholders

I agree with the two responses above. From what I've read, they don't backdate additional cardholders to closed accounts they used to hold. Any additional cardholders get backdated to whatever your account open date is.

Frequent Contributor
Posts: 258
Registered: ‎06-10-2012
0

Re: AMEX Additional Cardholders

Your SO will be backdated to her original member since date.  I just made my sister an additional cardmember on my Zync; she had an amex of her own for a few years, and her new AU account was backdated to her original member since date.


Starting Score: 617 (EQ 6/10/12)
Current Score (8/28/13): EQ: 691 EX: 706 TU: 700
Goal Score: 700

Discover it $4,500 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $2,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)

Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: AMEX Additional Cardholders

Lion, did you get back dated to her member since date?
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

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Frequent Contributor
Posts: 258
Registered: ‎06-10-2012
0

Re: AMEX Additional Cardholders

Well, my member since date is actually older than hers, so no. But I can tell you pretty confidently that you won't get backdated to your SO's member since date. That's the thing about your member since date: once it's established, it doesn't change.

Starting Score: 617 (EQ 6/10/12)
Current Score (8/28/13): EQ: 691 EX: 706 TU: 700
Goal Score: 700

Discover it $4,500 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $2,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)

Frequent Contributor
Posts: 386
Registered: ‎01-20-2012
0

Re: AMEX Additional Cardholders

Thank you for all of the responses. I'll just remain content to be in with Amex now. Smiley Happy In ten years a member since date in 2012 will look sweet!

Citi Double Cash $15,000 / Barclaycard Rewards $8,900 / CapOne Platinum $7,450 / BofA Cash Rewards Visa Sig $7,000 / BofA BankAmericard Visa $3,500 / eBay MC $5,800 / Chase Freedom $1,500 / Discover It $2,300 / Amex Zync / Lowe's $8,500 / JCP $4,800 / Walmart $5,000 / Amazon $4,100

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