Frequent Contributor
Posts: 284
Registered: ‎07-29-2012
Adding under 18 as authorized user on amex

I just wonder what will happen if I add my child born in 2011 almost 1 now to my wife's card BCP that was open this year 2012 or my SKY card from 1999.

I've read it might be some age limit but how will Amex know, I might give it a ago on BCP since it's a card after she was born.

 

Anybody has done this ? 

Who know Amex backdating 17 years from now LOL.

Lots of cards and counting !!
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Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
Re: Adding under 18 as authorized user on amex

Amex asks for the SS# and birthdate for an authorized user. I believe Amex AU policy is age 15 or above.

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Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Frequent Contributor
Posts: 284
Registered: ‎07-29-2012
Re: Adding under 18 as authorized user on amex

They ask for age ? I knew about SS#.

Lots of cards and counting !!
Las Vegas REALTOR
FICO 800ish Shooting for 800+
BCE 20K,ED 10K,Sky 2K, DCVR $6800, Slate 8K, Freedom 5k, Care Credit 10K, Lowes 10K, Cap1 QS $11500, Venture 15K, Paypal 5k Hidden, US Bank Edge Cash Business 20K and NFL $1500 soon to DIE.
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
Re: Adding under 18 as authorized user on amex

By asking for the birthdate, yes they are asking for age.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Valued Contributor
Posts: 1,107
Registered: ‎02-15-2012
Re: Adding under 18 as authorized user on amex

DeadSpider wrote:

They ask for age ? I knew about SS#.


+1

I added my teenagers to BCP and they received a card with the current year and were not backdated. They asked for the birth dates.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
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Contributor
Posts: 2,115
Registered: ‎03-30-2012
Re: Adding under 18 as authorized user on amex

They have to be at least 15.

 

Looks like they aren't backdating AU's cards to the Primary cardholder's member date...hopefully they will get backdated when they get their own cards later on.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $5000 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $1950 | Target: $2200 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
Re: Adding under 18 as authorized user on amex
[ Edited ]

injustifiiable wrote:

They have to be at least 15.

 

Looks like they aren't backdating AU's cards to the Primary cardholder's member date...hopefully they will get backdated when they get their own cards later on.



Even this is seeming to disappear. I have seen some people successful with backdating when they were an AU. But, more recently, Amex's policy for backdating is only applicable to members who were the primary account holder. I imagine, in the future, the chances of this will not at all be happening.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Contributor
Posts: 2,115
Registered: ‎03-30-2012
Re: Adding under 18 as authorized user on amex

jd5189 wrote:

injustifiiable wrote:

They have to be at least 15.

 

Looks like they aren't backdating AU's cards to the Primary cardholder's member date...hopefully they will get backdated when they get their own cards later on.



Even this is seeming to disappear. I have seen some people successful with backdating when they were an AU. But, more recently, Amex's policy for backdating is only applicable to members who were the primary account holder. I imagine, in the future, the chances of this will not at all be happening.


This is true. Policy seems to be changing every minute...who knows what it'll be like 15 years from now!

 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $5000 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $1950 | Target: $2200 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Established Contributor
Posts: 731
Registered: ‎02-15-2012
Re: Adding under 18 as authorized user on amex

jd5189 wrote:

injustifiiable wrote:

They have to be at least 15.

 

Looks like they aren't backdating AU's cards to the Primary cardholder's member date...hopefully they will get backdated when they get their own cards later on.



Even this is seeming to disappear. I have seen some people successful with backdating when they were an AU. But, more recently, Amex's policy for backdating is only applicable to members who were the primary account holder. I imagine, in the future, the chances of this will not at all be happening.


+1  Amex requires additional cardmembers to be atleast 15.  Even if they could somehow get a card, counting on Amex backdating them to this year 17 years from now is hoping for a lot.  I realize you're trying to do your kid a favor, but frankly, it's just way to early to worry about your kid's credit.

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Established Contributor
Posts: 985
Registered: ‎09-10-2012
Re: Adding under 18 as authorized user on amex
I didn't know you could even add your kids to a card under 18. Is this just an amex thing? My kids are 15 & 10 .... do people do this to build their credit or give them ability to shop?
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