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AMEX

Regular Contributor

AMEX

I believe I understand how this works, but I want to confirm. So if I can get a signer to get an AMEX with me, even if just for a couple years. Anytime in the future when I got my own, it would be backdated to when the signer and I opened the first one right? So my AA would be major boosted.

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


9 REPLIES
Moderator Emerita

Re: AMEX

If you are asking if Amex has joint accounts, they do not.
Regular Contributor

Re: AMEX

Darn it all. LOL

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Regular Contributor

Re: AMEX

So I'd have to get them to open it and AU it Smiley Sad

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Moderator Emerita

Re: AMEX

As an ACM, you will only get the backdating for future Amex cc's your credit report will not backdate

Edit: unless you are the primary
Regular Contributor

Re: AMEX

Dang, so basically there is no way to early member with AMEX, you simply have to wait until you can get the card of your own ability.

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Valued Contributor

Re: AMEX

OP, I think some of the other posters are interpreting your post incorrectly. If you have someone add you as ACM (no joints with Amex), your member date will be set at whatever year it happens. So, in the future, all your own cards will show open at whatever member date year you are. However any future ACM cards will show actual open date.

So simple answer to your question is yes you can help your future aaoa by getting added as ACM and setting member date year to now. For example, I am going to add my child as soon as he is eligible to be added as ACM to set his member date early and therefore help his aaoa in future.
               LIMITS IN CARD DESCRIPTIONS
Regular Contributor

Re: AMEX

Oh ok, I like that. Time to have a chat with someone..... lol!

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Moderator Emerita

Re: AMEX

If OP is an ACM her MSD is set but her credit report on any future apps will reflect the date she applied. It does not backdate only for cc you are a primary on.
For instance, I' have a PRG MSD is 05/1985 it reports as such on my CR's.
I'm an ACM on my DHs Delta MSD is 07/1985 it reports as 07/2013 on my CR's.
Valued Contributor

Re: AMEX

If you can be an ACM on someone's account today it'll set your backdate to 2013, then any future cards YOU get can be backdated to 2013.

   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |