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AU younger sister?

Regular Contributor

AU younger sister?

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?
Message 1 of 28
27 REPLIES
Epic Contributor

Re: AU younger sister?


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?

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

Message 2 of 28
Super Contributor

Re: AU younger sister?


Creditaddict wrote:

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?

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


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

Their card would reflect the year the apply 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 28
Mega Contributor

Re: AU younger sister?

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

Message 4 of 28
Epic Contributor

Re: AU younger sister?


myjourney wrote:

Creditaddict wrote:

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?

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


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

Their card would reflect the year the apply 


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

Message 5 of 28
Super Contributor

Re: AU younger sister?


longtimelurker wrote:

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


It's been about a year IIRC

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

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 28
Epic Contributor

Re: AU younger sister?


myjourney wrote:

longtimelurker wrote:

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


It's been about a year IIRC

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


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

 

Message 7 of 28
Moderator Emerita

Re: AU younger sister?

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. 

Message 8 of 28
Regular Contributor

Re: AU younger sister?

What's the process like for adding an AU to AMEX?
Message 9 of 28
Moderator Emerita

Re: AU younger sister?


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

Online or by phone.  They will ask for SSNand DOB

Message 10 of 28