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Does an Amex Additional Card Member report as an AU?

Moderator

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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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3 REPLIES
Moderator Emerita

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 

Highlighted
Super Contributor

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 Smiley Sad

 

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

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

Thanks for the replies!

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge