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Amex Gold AU 30+ Years

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Established Member

Amex Gold AU 30+ Years

Greetings!

 

My Grandmother is in her 70's and has been with AMEX for about 30+ Years with only one recent late payment a few months ago. Also this is a AMEX gold so its basically a "charge card" that must be paid in full every month. She added me as an AU on her card today after I explained my situation. How much do you think this charge card could help my score? 

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2 REPLIES 2
Established Contributor

Re: Amex Gold AU 30+ Years

Most likely no help to your score, in fact it could lower your score
1. Amex will list when you were added not when the card was originally opened on your report
2. It has a recent late so it is adding a derogatory mark to your report
3. It is a charge card so there is no possible benefit to your utilization
Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 2 of 3
Established Contributor

Re: Amex Gold AU 30+ Years

It won't help at all with that late. And Amex will reflect you as a member since 2019.

Over $192,000 in credit across 12 cards.

FICO ranges from 787 -820 as of 03/12/2018
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