topic Re: AMEX and CHASE authorized user ???? in Credit Cards

AMEX and CHASE authorized user ????

racer-x — Tue, 07 Oct 2014 23:13:06 GMT

Soooo, my 18 yr old daughter started college.

I just made her an AU on my AMEX BCP. They asked her SSN, d.o.b, and address. I know they will report to all 3 CRA's.

But now, I just made her an AU on my CHASE Sapphire and all they did was ask her name? No d.o.b., SSN, address, nothin. She has no credit history or score.

How will they find her?

Maybe I should have asked this question first.

Thanks all.

p.s. I don't intend on giving her the AMEX card. Mainly did it to estabish her backdating history with AMEX.

The CHASE will have a set spending limit with an alotted time frame. She's pretty good with HER money, but not so sure about someone elses'. lol.

Re: AMEX and CHASE authorized user ????

Anonymous — Tue, 07 Oct 2014 23:15:20 GMT

They'll find her.

They found me. (AU on Wife's Chase Freedom.)

Re: AMEX and CHASE authorized user ????

Luscher — Tue, 07 Oct 2014 23:23:37 GMT

Normally by address

Re: AMEX and CHASE authorized user ????

corymcd88 — Wed, 08 Oct 2014 00:49:01 GMT

@racer-x wrote:
Soooo, my 18 yr old daughter started college.

I just made her an AU on my AMEX BCP. They asked her SSN, d.o.b, and address. I know they will report to all 3 CRA's.

But now, I just made her an AU on my CHASE Sapphire and all they did was ask her name? No d.o.b., SSN, address, nothin. She has no credit history or score.
How will they find her?

Maybe I should have asked this question first.

Thanks all.

p.s. I don't intend on giving her the AMEX card. Mainly did it to estabish her backdating history with AMEX.
The CHASE will have a set spending limit with an alotted time frame. She's pretty good with HER money, but not so sure about someone elses'. lol.

For Chase if she lives in the same household with your address it should report. Some GE / SYNC accounts report if they have the same address.

Re: AMEX and CHASE authorized user ????

Anonymous — Wed, 08 Oct 2014 12:55:22 GMT

@racer-x wrote:
Soooo, my 18 yr old daughter started college.

I just made her an AU on my AMEX BCP. They asked her SSN, d.o.b, and address. I know they will report to all 3 CRA's.

But now, I just made her an AU on my CHASE Sapphire and all they did was ask her name? No d.o.b., SSN, address, nothin. She has no credit history or score.
How will they find her?

Maybe I should have asked this question first.

Thanks all.

p.s. I don't intend on giving her the AMEX card. Mainly did it to estabish her backdating history with AMEX.
The CHASE will have a set spending limit with an alotted time frame. She's pretty good with HER money, but not so sure about someone elses'. lol.

I could easily be wrong, but I thought AMEX changed their policy in that it doesn't consider backdating for AU's, only the primary cardholder.

Re: AMEX and CHASE authorized user ????

Anonymous — Wed, 08 Oct 2014 13:24:43 GMT

@Anonymous wrote:
@racer-x wrote:
Soooo, my 18 yr old daughter started college.

I just made her an AU on my AMEX BCP. They asked her SSN, d.o.b, and address. I know they will report to all 3 CRA's.

But now, I just made her an AU on my CHASE Sapphire and all they did was ask her name? No d.o.b., SSN, address, nothin. She has no credit history or score.
How will they find her?

Maybe I should have asked this question first.

Thanks all.

p.s. I don't intend on giving her the AMEX card. Mainly did it to estabish her backdating history with AMEX.
The CHASE will have a set spending limit with an alotted time frame. She's pretty good with HER money, but not so sure about someone elses'. lol.

I could easily be wrong, but I thought AMEX changed their policy in that it doesn't consider backdating for AU's, only the primary cardholder.

I got in on this before they closed the door on it.

Re: AMEX and CHASE authorized user ????

Anonymous — Wed, 08 Oct 2014 13:27:08 GMT

@Anonymous wrote:
@Anonymous wrote:
@racer-x wrote:
Soooo, my 18 yr old daughter started college.

I just made her an AU on my AMEX BCP. They asked her SSN, d.o.b, and address. I know they will report to all 3 CRA's.

But now, I just made her an AU on my CHASE Sapphire and all they did was ask her name? No d.o.b., SSN, address, nothin. She has no credit history or score.
How will they find her?

Maybe I should have asked this question first.

Thanks all.

p.s. I don't intend on giving her the AMEX card. Mainly did it to estabish her backdating history with AMEX.
The CHASE will have a set spending limit with an alotted time frame. She's pretty good with HER money, but not so sure about someone elses'. lol.

I could easily be wrong, but I thought AMEX changed their policy in that it doesn't consider backdating for AU's, only the primary cardholder.
I got in on this before they closed the door on it.

So they did change the backdating policy?

Re: AMEX and CHASE authorized user ????

Anonymous — Wed, 08 Oct 2014 13:29:49 GMT

Everything i've read indicates so.

Re: AMEX and CHASE authorized user ????

Anonymous — Wed, 08 Oct 2014 13:34:55 GMT

Does anyone know when the AU backdating officially ended? Made my GF an AU on mine, but didn't know about this.

Re: AMEX and CHASE authorized user ????

Anonymous — Wed, 08 Oct 2014 14:00:43 GMT

You could always "con" one of the chat reps to change to addtl cardmember msd it for you at a future date.

Re: AMEX and CHASE authorized user ????

09Lexie — Wed, 08 Oct 2014 17:46:52 GMT

Once you lock in your MSD (Member Since Date) the year of subsequent cc's will reflect your MSD. Additional cc's*, will reflect the month of THAT card and the year of your MSD.

If you are a primary cardholder, your CR's will be backdated as well. Amex recently changed their policy to exclude the CR backdating for ACMs - when you become a primary, your CR's would be backdated for YOUR new cc.

In in this case, adding DD now will lock in her MSD for 2014. When she applies for her own Amex in say,5 years her date was locked in for 2014.

*personal cards - business cards it's a YMMV