Credit Card Center Advertiser Disclosure

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: AAoA and AmEx

[ Edited ]

Let's say I have a Citi opened in 1980. I add you as an AU. Your open date becomes 1980, with the balance, CL, payment history, TL comments, and everything else.


Most all CCs do this.


Now let's say you are on the Citi, I cancel the CC next month. The TL remains at 1980's date. You open a new CC tomorrow and it will show 2012, not 1980. Nobody backdates to a date outside of the added TL. Only Amex used membership dates and as pointed out, that's in jeopardy.



New Member
Posts: 5
Registered: ‎10-10-2012
0 Kudos

Re: AAoA and AmEx

Thank you for the perfectly clear example.

I'll see what I can do with that.

My parents have other credit card accounts.

I'll try to find the cleanest one and, just as a precaution, will ask the company itself about its policies before proceeding to encourage my parents to add me as an authorized user.

Once more, I am grateful for the answers.
Keep up the excellent work! Smiley Very Happy

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.