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Registered: ‎10-22-2012
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American Express Authorized user

My mother got a pre-approval in the mail from Amex for the BCE with a $250 bonus.  I told her it was a great card and I said I wish that my current credit would allow for me to get it.  She said she'd make me an authorized user...

 
Mom had amex a long time ago and ditched them because of AF.  I know that she will get back dated.  From what I understand I won't get backdated however they will report to credit bureaus for me?  Also would this 'get my foot in the door' with Amex so if I apply for a card of my own I would be able to backdate to when I was added as AU?

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Re: American Express Authorized user

If you are added as an au, it will definitely get your foot in the door and help you out with backdating future Amex cards. My husband was added to mine in march and it reports to the bureau and I think he can be backdated to 2012 for life! (Unless Amex changes their backdating policies)

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Re: American Express Authorized user

AMEX internal policy (if you ask one of its supervisor) is to not backdate on AU. BUT a lot of people sliped through the crack and get backdated.

 

You have a good chance to get backdated, but not "get your feet in AMEX" because you have no payment history with AMEX.

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Registered: ‎09-25-2011
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Re: American Express Authorized user


trumpet-205 wrote:

AMEX internal policy (if you ask one of its supervisor) is to not backdate on AU. BUT a lot of people sliped through the crack and get backdated.

 

You have a good chance to get backdated, but not "get your feet in AMEX" because you have no payment history with AMEX.


technically he could have a payment history with Amex since he gets his own account number and own billing statements for his use of the card, that can help build faith in his ability to manage his credit. I did this with my dad's Chase Sapphire card for 3 months, I was the only one who pretty much used it after the first two weeks (card he got before vacation) and I used that to my benefit to talk them into getting me a Freedom card immediately after I was instantly approved for a Sapphire myself.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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