topic Re: Does Discover backdate? in Credit Cards

Does Discover backdate?

Anonymous — Wed, 21 Jan 2015 21:19:53 GMT

I opened a Discover card back in 2001. I made a biggest mistake by adding my cousin (with no credit history) as a joint on my account in 2006 so that she has good credit. I spoke to Discover CSR, and I was told that unlike AU, there is no way to remove a joint user or secondary user beside closing the account and open a new one. I don't want to close my Discover card, cuz it's one of the oldest that I have owned. Does anyone have any recommendation?

Re: Does Discover backdate?

sccredit — Wed, 21 Jan 2015 21:23:36 GMT

No, they do not backdate.

Re: Does Discover backdate?

-Wade- — Wed, 21 Jan 2015 21:25:18 GMT

@Anonymous wrote:
I opened a Discover card back in 2001. I made a biggest mistake by adding my cousin (with no credit history) as a joint on my account in 2006 so that she has good credit. I spoke to Discover CSR, and I was told that unlike AU, there is no way to remove a joint user or secondary user beside closing the account and open a new one. I don't want to close my Discover card, cuz it's one of the oldest that I have owned. Does anyone have any recommendation?

Amex is the only 1 that BD

Re: Does Discover backdate?

Anonymous — Wed, 21 Jan 2015 21:58:47 GMT

@-Wade- wrote:
@Anonymous wrote:
I opened a Discover card back in 2001. I made a biggest mistake by adding my cousin (with no credit history) as a joint on my account in 2006 so that she has good credit. I spoke to Discover CSR, and I was told that unlike AU, there is no way to remove a joint user or secondary user beside closing the account and open a new one. I don't want to close my Discover card, cuz it's one of the oldest that I have owned. Does anyone have any recommendation?
Amex is the only 1 that BD

Apparently Citi does as well.

Re: Does Discover backdate?

-Wade- — Wed, 21 Jan 2015 22:03:37 GMT

@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
I opened a Discover card back in 2001. I made a biggest mistake by adding my cousin (with no credit history) as a joint on my account in 2006 so that she has good credit. I spoke to Discover CSR, and I was told that unlike AU, there is no way to remove a joint user or secondary user beside closing the account and open a new one. I don't want to close my Discover card, cuz it's one of the oldest that I have owned. Does anyone have any recommendation?
Amex is the only 1 that BD
Apparently Citi does as well.

why do you say that ?

Re: Does Discover backdate?

Anonymous — Wed, 21 Jan 2015 22:06:04 GMT

@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
I opened a Discover card back in 2001. I made a biggest mistake by adding my cousin (with no credit history) as a joint on my account in 2006 so that she has good credit. I spoke to Discover CSR, and I was told that unlike AU, there is no way to remove a joint user or secondary user beside closing the account and open a new one. I don't want to close my Discover card, cuz it's one of the oldest that I have owned. Does anyone have any recommendation?
Amex is the only 1 that BD
Apparently Citi does as well.
why do you say that ?

Well I thought the same as you until a thread recently where a person opened up a Citi card after having one years ago and they backdated to the original one.

Re: Does Discover backdate?

Anonymous — Wed, 21 Jan 2015 22:09:47 GMT

@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
I opened a Discover card back in 2001. I made a biggest mistake by adding my cousin (with no credit history) as a joint on my account in 2006 so that she has good credit. I spoke to Discover CSR, and I was told that unlike AU, there is no way to remove a joint user or secondary user beside closing the account and open a new one. I don't want to close my Discover card, cuz it's one of the oldest that I have owned. Does anyone have any recommendation?
Amex is the only 1 that BD
Apparently Citi does as well.
why do you say that ?
Well I thought the same as you until a thread recently where a person opened up a Citi card after having one years ago and they backdated to the original one.

Even on the CR?

Re: Does Discover backdate?

-Wade- — Wed, 21 Jan 2015 22:11:09 GMT

@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
I opened a Discover card back in 2001. I made a biggest mistake by adding my cousin (with no credit history) as a joint on my account in 2006 so that she has good credit. I spoke to Discover CSR, and I was told that unlike AU, there is no way to remove a joint user or secondary user beside closing the account and open a new one. I don't want to close my Discover card, cuz it's one of the oldest that I have owned. Does anyone have any recommendation?
Amex is the only 1 that BD
Apparently Citi does as well.
why do you say that ?
Well I thought the same as you until a thread recently where a person opened up a Citi card after having one years ago and they backdated to the original one.

Wasn't that thread about reopening an old account . Correct me if i am wrong

Re: Does Discover backdate?

Anonymous — Wed, 21 Jan 2015 22:10:50 GMT

No, only American Express does that.

Sorry.

Re: Does Discover backdate?

Anonymous — Wed, 21 Jan 2015 22:11:04 GMT

@Anonymous wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
I opened a Discover card back in 2001. I made a biggest mistake by adding my cousin (with no credit history) as a joint on my account in 2006 so that she has good credit. I spoke to Discover CSR, and I was told that unlike AU, there is no way to remove a joint user or secondary user beside closing the account and open a new one. I don't want to close my Discover card, cuz it's one of the oldest that I have owned. Does anyone have any recommendation?
Amex is the only 1 that BD
Apparently Citi does as well.
why do you say that ?
Well I thought the same as you until a thread recently where a person opened up a Citi card after having one years ago and they backdated to the original one.
Even on the CR?

Yes

Re: Does Discover backdate?

Anonymous — Wed, 21 Jan 2015 22:11:49 GMT

@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
I opened a Discover card back in 2001. I made a biggest mistake by adding my cousin (with no credit history) as a joint on my account in 2006 so that she has good credit. I spoke to Discover CSR, and I was told that unlike AU, there is no way to remove a joint user or secondary user beside closing the account and open a new one. I don't want to close my Discover card, cuz it's one of the oldest that I have owned. Does anyone have any recommendation?
Amex is the only 1 that BD
Apparently Citi does as well.
why do you say that ?
Well I thought the same as you until a thread recently where a person opened up a Citi card after having one years ago and they backdated to the original one.
Wasn't that thread about reopening an old account . Correct me if i am wrong

I don't think so but I could be wrong. I'm trying to find the thread now

Re: Does Discover backdate?

-Wade- — Wed, 21 Jan 2015 22:13:41 GMT

@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
I opened a Discover card back in 2001. I made a biggest mistake by adding my cousin (with no credit history) as a joint on my account in 2006 so that she has good credit. I spoke to Discover CSR, and I was told that unlike AU, there is no way to remove a joint user or secondary user beside closing the account and open a new one. I don't want to close my Discover card, cuz it's one of the oldest that I have owned. Does anyone have any recommendation?
Amex is the only 1 that BD
Apparently Citi does as well.
why do you say that ?
Well I thought the same as you until a thread recently where a person opened up a Citi card after having one years ago and they backdated to the original one.
Wasn't that thread about reopening an old account . Correct me if i am wrong
I don't think so but I could be wrong. I'm trying to find the thread now

ok thanks............I do remember reading some of it

Re: Does Discover backdate?

Anonymous — Wed, 21 Jan 2015 22:14:01 GMT

Ok. Here's the thread. Its about being added as an AU and getting that opening date on his CR

http://ficoforums.myfico.com/t5/Credit-Cards/Citi-World-Elite-Authorized-User/td-p/3735501

Re: Does Discover backdate?

-Wade- — Wed, 21 Jan 2015 22:19:14 GMT

@Anonymous wrote:
Ok. Here's the thread. Its about being added as an AU and getting that opening date on his CR

http://ficoforums.myfico.com/t5/Credit-Cards/Citi-World-Elite-Authorized-User/td-p/3735501

yeah i see that, learn something new everyday i guess

Re: Does Discover backdate?

Anonymous — Wed, 21 Jan 2015 22:20:07 GMT

@-Wade- wrote:
@Anonymous wrote:
Ok. Here's the thread. Its about being added as an AU and getting that opening date on his CR

http://ficoforums.myfico.com/t5/Credit-Cards/Citi-World-Elite-Authorized-User/td-p/3735501
yeah i see that, learn something new everyday i guess

Yup, as you can see from my responses in the thread I was a bit surprised myself.

Re: Does Discover backdate?

Anonymous — Wed, 21 Jan 2015 22:21:41 GMT

Actually in some limited cases Discover does... "Backdate"

For AU's anyway.

My mother added me as an AU to her Discover account and had it noted that I could call and make changes or make requests for her (She isn't much of a phone person.)

It dated to 2007 when it popped up on my reports.

Re: Does Discover backdate?

Chris679 — Wed, 21 Jan 2015 23:47:39 GMT

That sounds like standard operating procedure on AU accounts. Amex is the only company that will open a new account with an old date.

Re: Does Discover backdate?

Anonymous — Thu, 22 Jan 2015 00:18:24 GMT

@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
Ok. Here's the thread. Its about being added as an AU and getting that opening date on his CR

http://ficoforums.myfico.com/t5/Credit-Cards/Citi-World-Elite-Authorized-User/td-p/3735501
yeah i see that, learn something new everyday i guess
Yup, as you can see from my responses in the thread I was a bit surprised myself.

That's not real backdating though. You always get the full history of an account when added as an AU and it goes away when removed as AU. If this person opened their own account and then had the same year on their own account from the AU date then that would be backdating.

Re: Does Discover backdate?

Fico2Go — Thu, 22 Jan 2015 02:44:12 GMT

@Anonymous wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
Ok. Here's the thread. Its about being added as an AU and getting that opening date on his CR

http://ficoforums.myfico.com/t5/Credit-Cards/Citi-World-Elite-Authorized-User/td-p/3735501
yeah i see that, learn something new everyday i guess
Yup, as you can see from my responses in the thread I was a bit surprised myself.
That's not real backdating though. You always get the full history of an account when added as an AU and it goes away when removed as AU. If this person opened their own account and then had the same year on their own account from the AU date then that would be backdating.

That's not always true. At least in my case. I was AU on a discover. When cancelled the closed account history still reported on my CR.

When I opened my own DISCOVER account the open date was different from the AU open date.

Re: Does Discover backdate?

Anonymous — Thu, 22 Jan 2015 02:52:33 GMT

@Anonymous wrote:
@Anonymous wrote:
@-Wade- wrote:
@Anonymous wrote:
Ok. Here's the thread. Its about being added as an AU and getting that opening date on his CR

http://ficoforums.myfico.com/t5/Credit-Cards/Citi-World-Elite-Authorized-User/td-p/3735501
yeah i see that, learn something new everyday i guess
Yup, as you can see from my responses in the thread I was a bit surprised myself.
That's not real backdating though. You always get the full history of an account when added as an AU and it goes away when removed as AU. If this person opened their own account and then had the same year on their own account from the AU date then that would be backdating.

That's what I was thinking. The bottom line is that Amex is the only one that does real backdating.