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Regular Contributor
megaman1
Posts: 260
Registered: ‎11-28-2013

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?
Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

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.

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Community Leader
Senior Contributor
myjourney
Posts: 25,246
Registered: ‎02-07-2013

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 

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Senior Contributor
longtimelurker
Posts: 5,373
Registered: ‎04-22-2013

Re: AU younger sister?

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

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

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.

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Community Leader
Senior Contributor
myjourney
Posts: 25,246
Registered: ‎02-07-2013

Re: AU younger sister?

[ Edited ]

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

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

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.

 

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Moderator
09Lexie
Posts: 24,393
Registered: ‎09-13-2012

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. 

Regular Contributor
megaman1
Posts: 260
Registered: ‎11-28-2013

Re: AU younger sister?

What's the process like for adding an AU to AMEX?
Moderator
09Lexie
Posts: 24,393
Registered: ‎09-13-2012

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


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