AAoA questions (backdate vs inherit)

[Anonymous]

I've been looking through the forums but am finding conflicting answers on this. If I add someone as an AU on one of my cards:

1) does the AU inherit all of the history associated with that card?

2) will the open date for the AU report as the open date of my card, extending the AAoA for the AU?

3) is there any difference if my card is an Amex card?

[Anonymous]

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@Anonymous wrote:

I've been looking through the forums but am finding conflicting answers on this. If I add someone as an AU on one of my cards:

1) does the AU inherit all of the history associated with that card?

2) will the open date for the AU report as the open date of my card, extending the AAoA for the AU?

3) is there any difference if my card is an Amex card?

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1. Not sure

2. No

3. No

[ojefferyo]

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@Anonymous wrote:

I've been looking through the forums but am finding conflicting answers on this. If I add someone as an AU on one of my cards:

1) does the AU inherit all of the history associated with that card?

2) will the open date for the AU report as the open date of my card, extending the AAoA for the AU?

3) is there any difference if my card is an Amex card?

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1. Certain banks yes

2. Not that I have seen

3. No

What are you trying to do?

[Anonymous]

I'm trying to add my sister who has no credit history of her own to one of my cards. I'm hoping that'll give her a score and something on her report so that she could apply for a decent starter card within a couple of months (like a Discover It). 

[Anonymous]

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@Anonymous wrote:

I'm trying to add my sister who has no credit history of her own to one of my cards. I'm hoping that'll give her a score and something on her report so that she could apply for a decent starter card within a couple of months (like a Discover It). 

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It will give her a score and something on her account. But her account date will be the date you added her, not the date you opened the account. Also, since she currently has no history, it will take longer than two months to generate a score.

[gdale6]

I would suggest she attempt to open a Cap-1 starter card before you add her as AU.

[newhis]

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@Anonymous wrote:

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@Anonymous wrote:

I'm trying to add my sister who has no credit history of her own to one of my cards. I'm hoping that'll give her a score and something on her report so that she could apply for a decent starter card within a couple of months (like a Discover It). 

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It will give her a score and something on her account. But her account date will be the date you added her, not the date you opened the account. Also, since she currently has no history, it will take longer than two months to generate a score.

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I added my DW to my BoA as AU 2 months after I open the account, her reports show the same date as mine as open. Then her added me to her account, and the TL is nor reporting on mine.

[Anonymous]

I've already added her to my Amex because I figure it would help her in the future with the backdating benefit. But the Amex is also one of my newest cards. I was hoping I could add her to an older card so it would show at least a year of history on her report, but if that won't help anyway, I'll just wait for a score to generate on her report before referring her to apply for the Discover It card. 

[SecretAzure]

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@Anonymous wrote:

I've already added her to my Amex because I figure it would help her in the future with the backdating benefit. But the Amex is also one of my newest cards. I was hoping I could add her to an older card so it would show at least a year of history on her report, but if that won't help anyway, I'll just wait for a score to generate on her report before referring her to apply for the Discover It card. 

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Crazy. Your story matches mine exactly. Just added my sister, no history this week to my Amex. She's in college and not working so I'll give her a year on my card before I apply her for (most-likely {80%}) Discover It card as well.

Keep us updated Lelouch.

[Anonymous]

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@Anonymous wrote:

I've been looking through the forums but am finding conflicting answers on this. If I add someone as an AU on one of my cards:

1) does the AU inherit all of the history associated with that card?

2) will the open date for the AU report as the open date of my card, extending the AAoA for the AU?

3) is there any difference if my card is an Amex card?

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1) Depends.
2) Depends

3) Yes.

I find that on accounts where the AU is issued the same card number, they inherit all of the history and the open date when the trade line appears on their account.

With issuers that give AU's their own account number their history and open date tracks seperately.

The above are simply guidelines, there are almost certainly exceptions in both cases.

Anecdotely, I just added my SO as an AU to a BofA card I've had for 10 years. When the TL finally reported my SO got credit for all the payment history and the original open date, it boosted her AAoA significantly.