Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 569
Registered: ‎10-22-2012

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?

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

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)

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!

Take the myFICO Fitness Challenge
Valued Contributor
Posts: 2,528
Registered: ‎11-11-2010

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.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/ (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011

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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.