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Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Does AU on amex make you a "member since?"

Have a buddy who asked me this question.

 

He is an AU on his father's account.  His father has had the account for 20 years.  If he applies, since he is an AU, will amex report his account with member since based upon his father's account?

 

I had no idea, so I pose the question here for those of you with Amex experience.

 

 

 

 

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Regular Contributor
Posts: 111
Registered: ‎09-26-2008
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Re: Does AU on amex make you a "member since?"

Great question..have been an AU on my parents AMEX for almost 21 years (currently shows as my longest revolving acct on my CR), and would be interested in this answer as well.
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Re: Does AU on amex make you a "member since?"

bump Smiley Happy

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Frequent Contributor
Posts: 372
Registered: ‎06-15-2007
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Re: Does AU on amex make you a "member since?"

[ Edited ]

txjohn wrote:

Have a buddy who asked me this question.

 

He is an AU on his father's account.  His father has had the account for 20 years.  If he applies, since he is an AU, will amex report his account with member since based upon his father's account?


I am assuming the AU has already called and inquired, but they gave him some scripted answer.

 

I'll take a stab at your question, because I've been thru a similar circumstance although not exact.

 

I've assumed responsibility (hard pull) for an account and the member since date remained with the account. Not sure if it would be the same in this situation though since his father is still (I am assuming) using the account. But, if his Dad opened a new account and then the AU assumed responsibilty it should work.

 

The issue here is that the AU was never legally responsible for the account so the "member since" would not apply to him. If it had been a joint account, totally different scenario.

Message Edited by ocheosa on 07-07-2009 05:57 PM
01/04/10 TU 778 EQ 731
08/05/09 TU 762 EQ 722
02/12/09 TU 722 EQ 704 EX 690
EQ sensitive to inqs & student loan.
Frequent Contributor
Posts: 333
Registered: ‎10-20-2008
0

Re: Does AU on amex make you a "member since?"

Varies.  Some have applied for a card and got an old member date because they were once an AU on a parent card or an old corportate card that they forgot about.  Others had cards in their name and amex can't find them.  So you have a chance.  Others have reported success.   Others, not so much. 
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