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Revelate
Posts: 9,015
Registered: ‎12-30-2011
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Does an Amex Additional Card Member report as an AU?

Expecting someone has a quick answer for this one: I've never been an AU or ACM but as I understand it there's a notation for being an AU on the tradeline.

 

That said, Amex is an exception in that a new account number is generated, and the ACM doesn't inherit the base cardholder's history: it's a new tradeline.  Does it still have the Authorized User note on it, or does it report as a standard tradeline?

 

Thanks!

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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09Lexie
Posts: 25,363
Registered: ‎09-13-2012
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Re: Does an Amex Additional Card Member report as an AU?


Revelate wrote:

Expecting someone has a quick answer for this one: I've never been an AU or ACM but as I understand it there's a notation for being an AU on the tradeline.

 

That said, Amex is an exception in that a new account number is generated, and the ACM doesn't inherit the base cardholder's history: it's a new tradeline.  Does it still have the Authorized User note on it, or does it report as a standard tradeline?

 

Thanks!


Yep, AU 

Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
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Re: Does an Amex Additional Card Member report as an AU?


Revelate wrote:

Expecting someone has a quick answer for this one: I've never been an AU or ACM but as I understand it there's a notation for being an AU on the tradeline.

 

That said, Amex is an exception in that a new account number is generated, and the ACM doesn't inherit the base cardholder's history: it's a new tradeline.  Does it still have the Authorized User note on it, or does it report as a standard tradeline?

 

Thanks!


Yeap it shows as an AU.

If that person you are adding has an Amex account before, Amex may backdate the card MSD date. However, it's just a cosmetic backdate as the account opening date on the CRs doesn't change :smileysad:

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Moderator
Revelate
Posts: 9,015
Registered: ‎12-30-2011
0

Re: Does an Amex Additional Card Member report as an AU?

Thanks for the replies!

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge

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