Frequent Contributor
Posts: 380
Registered: ‎02-06-2009

AMEX backdating: would this work?

I'm an AMEX member since 2010.

My brother is an AMEX member since 30 years ago.

If my brother adds me as AU onto his account, will AMEX backdate my card 30 years?

11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
12/08/2014 Current - TU 823 (Walmart MasterCard TU FICO 08 Classic)
GOAL - 800! - App free since 09/07/2014
Established Contributor
Posts: 766
Registered: ‎01-16-2012

Re: AMEX backdating: would this work?

First, Amex has additional cardmembers, not authorized users. This is an important distinction, because authorized users usually get the entire history of the card added to their report, whereas additional cardmembers will show up like a new account.


Second, probably not. I know that Amex used to give additional cardmembers the member since date of the original cardmember. They officially stopped doing it in 2011 and I haven't seen someone report a success through that method in at least a year.


If you are lucky, the card/account will show "member since" date of 2010 (your original), but be warned: it may show 'member since" 2012. This is what happened to my wife. She is an amex member since 1992. I added her to my hilton card. It said "member since 2012" and reports to the CRAs as such. We have tried repeatedly to get this changed to 1992 (not even 1988, my member since date) and have been repeatedly rejected. It may eventually happen (we call every month), but it may not. So be prepared for the potential that doing this could, in fact, reduce your AAoA.


Of course, you could get lucky. For every Amex rule there is at least one post from someone swearing they got an exception. So you might. But you should only do it if you are prepared for the alternate consequences. In general, adding AU to help with AAoA is better done with visa/mc than with amex.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+