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Frequent Contributor
Posts: 278
Registered: ‎07-29-2012
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Adding under 18 as authorized user on amex

I just wonder what will happen if I add my child born in 2011 almost 1 now to my wife's card BCP that was open this year 2012 or my SKY card from 1999.

I've read it might be some age limit but how will Amex know, I might give it a ago on BCP since it's a card after she was born.

 

Anybody has done this ? 

Who know Amex backdating 17 years from now LOL.

Lots of cards and counting !!
Las Vegas REALTOR
FICO 780ish Shooting for 800+
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
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Re: Adding under 18 as authorized user on amex

Amex asks for the SS# and birthdate for an authorized user. I believe Amex AU policy is age 15 or above.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Frequent Contributor
Posts: 278
Registered: ‎07-29-2012
0

Re: Adding under 18 as authorized user on amex

They ask for age ? I knew about SS#.

Lots of cards and counting !!
Las Vegas REALTOR
FICO 780ish Shooting for 800+
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
0

Re: Adding under 18 as authorized user on amex

By asking for the birthdate, yes they are asking for age.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Valued Contributor
Posts: 1,103
Registered: ‎02-15-2012
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Re: Adding under 18 as authorized user on amex


DeadSpider wrote:

They ask for age ? I knew about SS#.


+1

I added my teenagers to BCP and they received a card with the current year and were not backdated. They asked for the birth dates.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 821 EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (17.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (10.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Valued Contributor
Posts: 1,968
Registered: ‎03-30-2012
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Re: Adding under 18 as authorized user on amex

They have to be at least 15.

 

Looks like they aren't backdating AU's cards to the Primary cardholder's member date...hopefully they will get backdated when they get their own cards later on.

Scores 8/18/2015: TU FICO: 651 | EQ FICO: 645| EX AMEX FICO: 630

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1750 | Target: $1100 | J.Crew $13,950
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
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Re: Adding under 18 as authorized user on amex

[ Edited ]

injustifiiable wrote:

They have to be at least 15.

 

Looks like they aren't backdating AU's cards to the Primary cardholder's member date...hopefully they will get backdated when they get their own cards later on.



Even this is seeming to disappear. I have seen some people successful with backdating when they were an AU. But, more recently, Amex's policy for backdating is only applicable to members who were the primary account holder. I imagine, in the future, the chances of this will not at all be happening.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Valued Contributor
Posts: 1,968
Registered: ‎03-30-2012
0

Re: Adding under 18 as authorized user on amex


jd5189 wrote:

injustifiiable wrote:

They have to be at least 15.

 

Looks like they aren't backdating AU's cards to the Primary cardholder's member date...hopefully they will get backdated when they get their own cards later on.



Even this is seeming to disappear. I have seen some people successful with backdating when they were an AU. But, more recently, Amex's policy for backdating is only applicable to members who were the primary account holder. I imagine, in the future, the chances of this will not at all be happening.


This is true. Policy seems to be changing every minute...who knows what it'll be like 15 years from now!

 

Scores 8/18/2015: TU FICO: 651 | EQ FICO: 645| EX AMEX FICO: 630

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1750 | Target: $1100 | J.Crew $13,950
Established Contributor
Posts: 731
Registered: ‎02-15-2012
0

Re: Adding under 18 as authorized user on amex


jd5189 wrote:

injustifiiable wrote:

They have to be at least 15.

 

Looks like they aren't backdating AU's cards to the Primary cardholder's member date...hopefully they will get backdated when they get their own cards later on.



Even this is seeming to disappear. I have seen some people successful with backdating when they were an AU. But, more recently, Amex's policy for backdating is only applicable to members who were the primary account holder. I imagine, in the future, the chances of this will not at all be happening.


+1  Amex requires additional cardmembers to be atleast 15.  Even if they could somehow get a card, counting on Amex backdating them to this year 17 years from now is hoping for a lot.  I realize you're trying to do your kid a favor, but frankly, it's just way to early to worry about your kid's credit.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
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Established Contributor
Posts: 985
Registered: ‎09-10-2012
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Re: Adding under 18 as authorized user on amex

I didn't know you could even add your kids to a card under 18. Is this just an amex thing? My kids are 15 & 10 .... do people do this to build their credit or give them ability to shop?
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

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