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AMEX Member Since 2007 (AU Account)

Established Contributor

AMEX Member Since 2007 (AU Account)

As some of you know from the 'Help my DGF find a travel card (please)' thread, my DGF was recently approved for an AMEX Zync (her first AMEX). I was added as an AU. I had an AMEX account in 2007 and I noticed when I logged in it says "THANK YOU FOR BEING A CARDMEMBER SINCE 2007". Will this mean that my TL for this Zync card will backdate to my original AMEX account from 2007?

 

Any informed input would be greatly appreciated!

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

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Message 1 of 9
8 REPLIES
Established Contributor

Re: AMEX Member Since 2007 (AU Account)

Anyone?

 

Bueller? Bueller...Bueller?

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 2 of 9
Mega Contributor

Re: AMEX Member Since 2007 (AU Account)

It may show up online but more than likely come with a '12 member date. AFAIK AMEX does not backdate for AU's anymore.




EQ FICO 548 3/3/16
Message 3 of 9
Established Contributor

Re: AMEX Member Since 2007 (AU Account)

I thought the new policy of November 2011 was for AU's that were piggybacking on their daddy's 1982 AMEX accounts.
AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 4 of 9
Mega Contributor

Re: AMEX Member Since 2007 (AU Account)


Jlu wrote:
I thought the new policy of November 2011 was for AU's that were piggybacking on their daddy's 1982 AMEX accounts.

I think its for all AU accounts regardless, hopefully someone else will chime in.

 




EQ FICO 548 3/3/16
Message 5 of 9
Senior Contributor

Re: AMEX Member Since 2007 (AU Account)

I would guess if the online system is saying that you have been a member since 2007, that is what will report.  Especially since you are saying you had your own card in 2007.  In any event, you'll know soon enough when this hits your reports.  Please do post an update when that happens.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Message 6 of 9
Established Contributor

Re: AMEX Member Since 2007 (AU Account)

Will do. Thanks LS and Walt.
AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 7 of 9
Frequent Contributor

Re: AMEX Member Since 2007 (AU Account)

Everyone gets confused about Amex backdating, but the system is really quite simple.

 

Your "member since" date is the date you first had an Amex card, either as the primary cardholder or as an AU, and that's your "member since" date for life.  It doesn't matter that your dad has been a cardmember since '79; if you become an AU on his card in 2008, and that's your first amex card, your member since date will be 2008.  That member since date will be the same for all subsequent cards you get, as either an AU or a primary cardholder.  If you get your own card in 2009, that will be backdated to 2008.  If you get added as an AU on your mom's card in 2010, that will get backdated to 2008.


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)

Message 8 of 9
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Moderator

Re: AMEX Member Since 2007 (AU Account)


LionLaw wrote:

Everyone gets confused about Amex backdating, but the system is really quite simple.

 

Your "member since" date is the date you first had an Amex card, either as the primary cardholder or as an AU, and that's your "member since" date for life.  It doesn't matter that your dad has been a cardmember since '79; if you become an AU on his card in 2008, and that's your first amex card, your member since date will be 2008.  That member since date will be the same for all subsequent cards you get, as either an AU or a primary cardholder.  If you get your own card in 2009, that will be backdated to 2008.  If you get added as an AU on your mom's card in 2010, that will get backdated to 2008.


I thought we had a post a month or so ago that an AU account couldn't backdate prior to the opening of the underlying tradeline even the person being added as an AU was a cardmember previously?  The rest of your post is accurate AFAIK regarding Amex's backdating policy as it currently stands.

 

I don't know if it'll report as '07 in your case jlu; would you mind letting us know one way or the other when you next check your credit reports post-AU addition?

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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