Credit Cards

[NikJ4]

ok, so I was looking at my hubby's Zinc acct and I am an AU on it. Well his says he has been a member since 2012 but my log in says member since 1990 (had a card back in college that didnt end too well); I wonder will this help me out whenever I get ready to apply for my own card?

[Crashem]

Being an AU helps with some lenders' scoring system.  Some ignore it.  But assuming they take that into account, it should be reporting as a card you have had since 1990 which should help a bunch because of helping your AAoA etc.  If you are asking if it will help you get your own AMEX, I am unclear if AU status helps you.  In the future, any new AMEXs should really help your AAoA.

[NikJ4]

Thanks

[pizzadude]

+1.  If your member since date is showing 1990 then any new cards you open will should also be backdated to 1990 as well, so yes they would certainly help your AAoA.

[drkaje]

@ NikJ4,

Your own Amex or some other card? It will obviously help your score but ACM status doesn't build history with Amex because you're not a member.

[readyfireaim]

I might be wrong, but I thought AMEX only backdates to AU/ACMs to the year that they became an AU/ACM, not to the date that the original card holder became a member.

[bichonmom]

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readyfireaim wrote:

I might be wrong, but I thought AMEX only backdates to AU/ACMs to the year that they became an AU/ACM, not to the date that the original card holder became a member.

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Since OP had her OWN acct in 1990, Amex backdated her member since date to when she originally became a member. If she had NOT had her own Amex and became an AU (which they really don't call AU) on an Amex, and got her own Amex later, then it most likely would NOT backdate to when she became an AU.

Amex used to backdate to when someone first became an AU, but usually that doesn't happen anymore.

[NikJ4]

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bichonmom wrote:

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readyfireaim wrote:

I might be wrong, but I thought AMEX only backdates to AU/ACMs to the year that they became an AU/ACM, not to the date that the original card holder became a member.

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Since OP had her OWN acct in 1990, Amex backdated her member since date to when she originally became a member. If she had NOT had her own Amex and became an AU (which they really don't call AU) on an Amex, and got her own Amex later, then it most likely would NOT backdate to when she became an AU.

Amex used to backdate to when someone first became an AU, but usually that doesn't happen anymore.

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ok if Amex doesnt really call it an AU what do they call it?

[BigDaddy18]

Yes what do they call it then, Jeopardy music queued! 

[readyfireaim]

I think they use the term Additional Card Member (ACM).