Reply
Regular Contributor
Posts: 155
Registered: ‎04-04-2011
0

Question About Amex and AUs

[ Edited ]

After learning about Amex's backdating policy, I have the following question.  Say I were to add someone with basically no credit history as an AU on my Amex card, and then one year later that person applied for their own Amex CC, would Amex then backdate their card to the year that my card was started (which they are an AU on)?  If they would do this, and after that person activates their own card, would removing them as an AU on my card then affect their start/membership date on their own card? 


Starting Scores (lender pull 3/27/10): 759 (EQ), 752 (TU), 749 (EX)
Current Scores (myFICO 4/4/11): 768 (EQ)
Goal Scores: 800


Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 4,470
Registered: ‎12-31-2008
0

Re: Question About Amex and AUs

It seems there are glitches in the system, but I believe the standard AmEx policy is that the AU would be a "member since" the year they are added as an AU.

They then "own" that "member since" year and it follows them on any subsequent accounts, whether they remain an AU on your card or not.

 

Some folks have had different experiences, including the backdating to the original cardholder's "member since" year that you refer to - but that is not the norm.

I'm sure folks with personal experience will chime in.

Just puttin' syrup on something, don't make it pancakes.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.