Credit Cards

[jbh]

Hey,

If I get an amex A.U account that is over 20 years and then I get one on my own later on, does it date back to the date of my AU account? I was told that it does but I am skeptical of this.

Thanks.

[oracles]

I don't know the answer totally however thinking logically, I would not believe that to be true.

If you received a card on your own, you are the sole owner of this card. You are totally responsible for it. Therefore now they have a true record of you.

As an AU, they really don't have a record because you are just authorized but have no responsibility.

For example, I had a corporate amex with my previous job. I was authorized to use it but it was not my responsibility.

Now that I have my own card I can not backdate my info because I never had a card of my own that I was owner of, including full responsibilities that goes with it.

Hope this helps and let us know if you get an answer from amex or anyone who knows for sure

[jbh]

Anybody know for sure if the au would allow me to keep the history?

[TangMeister]

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jbh wrote:
Anybody know for sure if the au would allow me to keep the history?

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It's been done, and has been discussed on here and another big credit board.  You have to call in and ask for it, and sometimes it takes a few calls to get the right CSR who will do it.  I think it's definitely worth it, and one of the main reasons Amex is a great asset in this or any credit climate:  Instant avg. age lengthening with their cards, if you have history with them.  Good luck!

Message Edited by TangMeister on 01-23-2009 10:13 PM

[jbh]

Thanks. I'll see i I can have it passed on, if anything it might help as I apply for biz credit later on

Have a great weekend.

[oracles]

JBH

I think tang is speaking about the fact if you had an account previously, will you be able to backdate for a new card. This situation is, you were n previously AU and not  an account holder.  I could be wrong.

I think you should just call amex to be sure and let us all know.

Keep us updated

Message Edited by oracles on 01-24-2009 01:34 AM

[jbh]

I'd feel pretty stupid asking them that esp. as I do not have an account. They would not go out of their way

to answer that for a non customer, probably.

That's why I want to confirm if the AU should come first or after I get my own first amex

Thanks