Hello MyFico Fam! I haven't posted in several months. Reason: I am at 4/24 and I want to apply for the Chase Marriott in October. I've been trying to combat the urge to app. And when I am on MyFico alot that urge becomes almost overwhelming. :
I am also interested in the AMEX SPG, which I would like to app for in January. I was hoping to be added as authorized user on one of my friend's AMEX cards (I did not burn AMEX but I do have a BK7 in my past). My thought is that if it does help, the sooner I become an authorized user, the better. However, I don't want the auth user card to report before I apply for the Chase Marriott.
So, my question is, how long does it take an AMEX Auth User Card to report. I have read here that main AMEX cards can take up to two months to report. Is it the same for authorized user cards?
Just to start off with a warning, Amex now reports AU accounts as opened on the date that you were added not the original account opening date! If you are added, even if the card was opened in 1963, you will be 5/24 with your "new" 2017 AU account. Also AU status has absolutely zero bearing when it comes to lending decisions as a primary borrower. To answer the question, it is usually on the next statement closing date.
The SPG is my favorite card and my daily driver. I use it as a Marriott card, as it earns more Marriott points in ever possible instance than Chase's Marriott card, even when staying in Marriott properties! If you want both, certainly grab the Chase card first.
Hi ItsPossy
i understand your concern on Irma! Just qent through thst ordeal myself. Please stay safe and hope your friend and family stay safe as well
i understand your concern on Irma! Just qent through thst ordeal myself. Please stay safe and hope your friend and family stay safe as well
@vV35Hszm wrote:
@K-in-Boston wrote:Just to start off with a warning, Amex now reports AU accounts as opened on the date that you were added not the original account opening date!
I'm a little confused on how this works. My mom added me to her account years ago... and even though she took off more than 10 years ago it's still showing as open on my credit report with a 41 year age.
So now she's added me back again. Same account number do you think the original date will continue to report?
If you were added as an authorized user or opened a new account prior to March 21st, 2015, Amex back-dated the accounts to the year you're first listed in their system (either from opening an account yourself, or the year on an account you were added to as an AU on). Since then, they not only stopped back-dating your own new accounts, but AUs now get the actual date they were added as an AU, not even that particular account's actual opening date. Your "Member Since" date on any new cards will still show 1977, as will your Amex online account, but to the credit bureaus you're reported as whatever the actual date was.
Hindsight, but I'd love to go back a few years to open my Starwood and Delta cards!
If it never stopped reporting, I'd think that it should still report with the original date but only looking at your credit reports after a statement has closed will tell for sure. Being added back on after being removed at an earlier date isn't something I've seen here.
