AAoA questions (backdate vs inherit)

[Anonymous]

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@gdale6 wrote:

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

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Are there any unsecured Capital One starter cards that can be qualified for without history? 

[Anonymous]

Quote: "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."

Question: Does anyone have any experience with payment history and org open date on being added or adding someone on a Chase Freedom
in relation to how it reports for the AU (which in this case is me from my sis)?

[Anonymous]

If you find a helpful/willing CSR at AMEX - you might just still be able to pull off getting her backdated...  very far and few in between though as most will tell you that backdating only applies to 'basic' members.

I had a semi-similar situation with my sister... she's only had 1 card for 2 years at 2k carrying 90% balance..  This past Dec I added her to 3 of my highest/oldest lines and just this past weekend when she came for a visit we did an app spree for her totalling $58k in new lines  She's 21 btw.  

Wish I knew what I know now when I was that old!  

[SecretAzure]

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@Anonymous wrote:

If you find a helpful/willing CSR at AMEX - you might just still be able to pull off getting her backdated...  very far and few in between though as most will tell you that backdating only applies to 'basic' members.

I had a semi-similar situation with my sister... she's only had 1 card for 2 years at 2k carrying 90% balance..  This past Dec I added her to 3 of my highest/oldest lines and just this past weekend when she came for a visit we did an app spree for her totalling $58k in new lines  She's 21 btw.  

Wish I knew what I know now when I was that old!  

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Super cool! I'm glad that it worked out for her. 

[Anonymous]

Thanks mate!  Yeah, she didn't even think it possible to have a CL that exceeds her income.  

[Anonymous]

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@Anonymous wrote:

If you find a helpful/willing CSR at AMEX - you might just still be able to pull off getting her backdated...  very far and few in between though as most will tell you that backdating only applies to 'basic' members.

I had a semi-similar situation with my sister... she's only had 1 card for 2 years at 2k carrying 90% balance..  This past Dec I added her to 3 of my highest/oldest lines and just this past weekend when she came for a visit we did an app spree for her totalling $58k in new lines  She's 21 btw.  

Wish I knew what I know now when I was that old!  

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$58k from how many cards?! My sister is 21 too lol. I wish I had the foresight to get her a card earlier. 

[elim]

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@Anonymous wrote:

Quote: "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."

Question: Does anyone have any experience with payment history and org open date on being added or adding someone on a Chase Freedom
in relation to how it reports for the AU (which in this case is me from my sis)?

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    I have added 2 AU's on 2 Chase cards (Amazon and CSP) in the past year. Both have inherited the open date and entire payment history.

    instantly loads lots of green marks on their reports.

[Anonymous]

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@Anonymous wrote:

$58k from how many cards?! My sister is 21 too lol. I wish I had the foresight to get her a card earlier. 

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$11.5k Citi HHonors

$11k AMEX BCP

$8k  Chase Freedom 

$12k NFCU Flagship

$15k NFCU LOC

She's active duty military so we looked at cards without/minimal AF's with the big lenders.  BCP pays for itself since she mostly buys groceries plus she's got a $150 bonus for $1k spend.  Similar with Freedom bonus: $100 for $500 spend.  I'm taking care of her spends so she gets the bonuses for it

EDIT: Still trying to find a CSR that'll backdate her to my '99 MSD... no luck yet.

[SecretAzure]

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@Anonymous wrote:

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@Anonymous wrote:

$58k from how many cards?! My sister is 21 too lol. I wish I had the foresight to get her a card earlier. 

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$11.5k Citi HHonors

$11k AMEX BCP

$8k  Chase Freedom 

$12k NFCU Flagship

$15k NFCU LOC

She's active duty military so we looked at cards without/minimal AF's with the big lenders.  BCP pays for itself since she mostly buys groceries plus she's got a $150 bonus for $1k spend.  Similar with Freedom bonus: $100 for $500 spend.  I'm taking care of her spends so she gets the bonuses for it

EDIT: Still trying to find a CSR that'll backdate her to my '99 MSD... no luck yet.

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Glad you did the research and so the AF won't feel like a penalty later on. Let us know when you find one. 

[DantGwyrdd]

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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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Well, as you can see, things vary from bank to bank--I added my wife as an AU on my Capital One Quicksilver card and she inherited the full history, including the date opened.