AU younger sister?

[megaman1]

I was thinking of adding my sister as an AU to either my AMEX card or discover card so she can have something on her CR since she's only 17 and will be applying for CC when she's 18. I will only add her as an AU but not give her any cards. Is this a good idea?

[Creditaddict]

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@megaman1 wrote:
I was thinking of adding my sister as an AU to either my AMEX card or discover card so she can have something on her CR since she's only 17 and will be applying for CC when she's 18. I will only add her as an AU but not give her any cards. Is this a good idea?

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YES, especially Amex as she will get backdating to 2013 in future if she ever gets her own Amex Accounts.

[myjourney]

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@Creditaddict wrote:

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@megaman1 wrote:
I was thinking of adding my sister as an AU to either my AMEX card or discover card so she can have something on her CR since she's only 17 and will be applying for CC when she's 18. I will only add her as an AU but not give her any cards. Is this a good idea?

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YES, especially Amex as she will get backdating to 2013 in future if she ever gets her own Amex Accounts.

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Amex will not backdate an AU when they apply for their own card 

Their card would reflect the year the apply 

[longtimelurker]

When did this change?  It worked for my daughter this year.  

[Creditaddict]

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@myjourney wrote:

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@Creditaddict wrote:

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@megaman1 wrote:
I was thinking of adding my sister as an AU to either my AMEX card or discover card so she can have something on her CR since she's only 17 and will be applying for CC when she's 18. I will only add her as an AU but not give her any cards. Is this a good idea?

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YES, especially Amex as she will get backdating to 2013 in future if she ever gets her own Amex Accounts.

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Amex will not backdate an AU when they apply for their own card 

Their card would reflect the year the apply 

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pretty sure Amex does backdate to personal AU just not business or corporate AU.

[myjourney]

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@longtimelurker wrote:

When did this change?  It worked for my daughter this year.  

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It's been about a year IIRC

When AU's apply that don't get your MSD some have been lucky

[Creditaddict]

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@myjourney wrote:

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@longtimelurker wrote:

When did this change?  It worked for my daughter this year.  

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It's been about a year IIRC

When AU's apply that don't get your MSD some have been lucky

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not your member since date... the member since date from the AU card they had.

[09Lexie]

Just to clarify, Amex ACMs will be backdated to their MSD on their account regardless if they are a primary or an ACM on other accounts.  They will backdate the ACM's MSD on the CRs for cc's in which they are the primary only.  If your sister becomes a primary in a few years, she will receive the benefit of backdating on her CR's for that card. 

[megaman1]

What's the process like for adding an AU to AMEX?

[09Lexie]

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@megaman1 wrote:
What's the process like for adding an AU to AMEX?

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Online or by phone.  They will ask for SSNand DOB