topic Re: Backdated on Amex (au) ??? in Credit Cards

Backdated on Amex (au) ???

NikJ4 — Fri, 04 May 2012 20:47:47 GMT

ok, so I was looking at my hubby's Zinc acct and I am an AU on it. Well his says he has been a member since 2012 but my log in says member since 1990 (had a card back in college that didnt end too well); I wonder will this help me out whenever I get ready to apply for my own card?

Re: Backdated on Amex (au) ???

Anonymous — Fri, 04 May 2012 21:01:39 GMT

Being an AU helps with some lenders' scoring system. Some ignore it. But assuming they take that into account, it should be reporting as a card you have had since 1990 which should help a bunch because of helping your AAoA etc. If you are asking if it will help you get your own AMEX, I am unclear if AU status helps you. In the future, any new AMEXs should really help your AAoA.

Re: Backdated on Amex (au) ???

NikJ4 — Fri, 04 May 2012 21:24:44 GMT

Thanks

Re: Backdated on Amex (au) ???

pizzadude — Fri, 04 May 2012 22:14:26 GMT

+1. If your member since date is showing 1990 then any new cards you open will should also be backdated to 1990 as well, so yes they would certainly help your AAoA.

Re: Backdated on Amex (au) ???

Anonymous — Fri, 04 May 2012 22:50:50 GMT

@ NikJ4,

Your own Amex or some other card? It will obviously help your score but ACM status doesn't build history with Amex because you're not a member.

Re: Backdated on Amex (au) ???

readyfireaim — Fri, 04 May 2012 23:42:43 GMT

I might be wrong, but I thought AMEX only backdates to AU/ACMs to the year that they became an AU/ACM, not to the date that the original card holder became a member.

Re: Backdated on Amex (au) ???

bichonmom — Sat, 05 May 2012 01:30:44 GMT

@readyfireaim wrote:
I might be wrong, but I thought AMEX only backdates to AU/ACMs to the year that they became an AU/ACM, not to the date that the original card holder became a member.

Since OP had her OWN acct in 1990, Amex backdated her member since date to when she originally became a member. If she had NOT had her own Amex and became an AU (which they really don't call AU) on an Amex, and got her own Amex later, then it most likely would NOT backdate to when she became an AU.

Amex used to backdate to when someone first became an AU, but usually that doesn't happen anymore.

Re: Backdated on Amex (au) ???

NikJ4 — Sat, 05 May 2012 02:07:28 GMT

@bichonmom wrote:
@readyfireaim wrote:
I might be wrong, but I thought AMEX only backdates to AU/ACMs to the year that they became an AU/ACM, not to the date that the original card holder became a member.
Since OP had her OWN acct in 1990, Amex backdated her member since date to when she originally became a member. If she had NOT had her own Amex and became an AU (which they really don't call AU) on an Amex, and got her own Amex later, then it most likely would NOT backdate to when she became an AU.

Amex used to backdate to when someone first became an AU, but usually that doesn't happen anymore.

ok if Amex doesnt really call it an AU what do they call it?

Re: Backdated on Amex (au) ???

Anonymous — Sat, 05 May 2012 02:50:21 GMT

Yes what do they call it then, Jeopardy music queued!

Re: Backdated on Amex (au) ???

readyfireaim — Sat, 05 May 2012 03:05:34 GMT

I think they use the term Additional Card Member (ACM).

Re: Backdated on Amex (au) ???

pizzadude — Sat, 05 May 2012 03:50:32 GMT

@readyfireaim wrote:
I think they use the term Additional Card Member (ACM).

+1. They do not use the term "authorized user". Usually an AU is someone who get to use the account but isn't held liable for their own charges if they default.

With AMEX this is not the case, an Additional Cardmember gets their own account and can in fact be held liable for their charges.

Re: Backdated on Amex (au) ???

Anonymous — Sat, 05 May 2012 05:34:06 GMT

Actually someone said AMEX does not backdate people to when they were an AU on another card. This is not true. If I was an AU in 2000 and got my own card in 2013, they would backdate my card to 2000 assuming they still had records. If they didn't, I would need to prove I was first an AU in 2000 (via the original card/bill/credit report etc.).

What they no longer do is the following: I get an AMEX as AU this year and the original card holder is from 2000, they will not backdate my AMEX back to the original card holder's member date.

The rule is that AMEX will basically backdate your AMEX to the year you first had an AMEX in any fashion. Of course, they have to have records of it or you do.

Re: Backdated on Amex (au) ???

readyfireaim — Sat, 05 May 2012 10:33:57 GMT

@Anonymous wrote:
Actually someone said AMEX does not backdate people to when they were an AU on another card. This is not true. If I was an AU in 2000 and got my own card in 2013, they would backdate my card to 2000 assuming they still had records. If they didn't, I would need to prove I was first an AU in 2000 (via the original card/bill/credit report etc.).

What they no longer do is the following: I get an AMEX as AU this year and the original card holder is from 2000, they will not backdate my AMEX back to the original card holder's member date.

The rule is that AMEX will basically backdate your AMEX to the year you first had an AMEX in any fashion. Of course, they have to have records of it or you do.

^^^^^^^^^^^

What Crashem said is true. Prior to applying for my ZYNC & Delta SkyMiles Gold, I confirmed that I was shown in their system as an AU/ACM from 1999. My cards haven't arrived yet, but I have already contacted service, requested the backdating and received confirmation that a new card would be sent reflecting 'Member Since 99'.

Re: Backdated on Amex (au) ???

Anonymous — Sun, 06 May 2012 16:22:49 GMT

@readyfireaim wrote:
@Anonymous wrote:
Actually someone said AMEX does not backdate people to when they were an AU on another card. This is not true. If I was an AU in 2000 and got my own card in 2013, they would backdate my card to 2000 assuming they still had records. If they didn't, I would need to prove I was first an AU in 2000 (via the original card/bill/credit report etc.).

What they no longer do is the following: I get an AMEX as AU this year and the original card holder is from 2000, they will not backdate my AMEX back to the original card holder's member date.

The rule is that AMEX will basically backdate your AMEX to the year you first had an AMEX in any fashion. Of course, they have to have records of it or you do.
^^^^^^^^^^^
What Crashem said is true. Prior to applying for my ZYNC & Delta SkyMiles Gold, I confirmed that I was shown in their system as an AU/ACM from 1999. My cards haven't arrived yet, but I have already contacted service, requested the backdating and received confirmation that a new card would be sent reflecting 'Member Since 99'.

Both of these posts are true. When I didn't have any AmEx cards, my sis added me as a AU on her Gold account in 2008; later, when my hubby opened his Gold Rewards account in 2010, he added me as an AU on his acct but my card on his acct. reflected the 2008 date as my "member since" date. HOWEVER, when I got my own AmEx Green card in 2012 - and thanks to the advice on these boards, inquired about about my original member date from college - my member date was changed to 1989 on the card on my acct. And when my hubby upgraded his account to a platinum this year, my new card on his account now reflect the "member since 1989" date while his card on his acct has his membership date as 2010.