I didnt think this would have any effect on the fico scores , but im glad my friend was willing to help . 12 year old card with a $5,000 limit.
In terms of like 5/24 rule , does this count as a new account even though it says it was opened in 2010?
The 5/24 rule looks at accounts that were opened within the last 24 months. I'm unsure if an AU account would be considered a new account if it was under 24 months old, but in your case this card is 12 years old and will show as such on your report. So no, this shouldn't count against you for the 5/24 rule.
For 5/24, Chase would consider all accounts on your credit report whether primary or AU. However, forum members have provided past data points where a request for manual reconsideration would sometimes allow AU accounts to be omitted from 5/24 calculations.
Most AU accounts would provide the AU with the same account opening date as the primary cardholder. The main exception is Amex Centurion Bank which reports new AUs as brand new accounts with no benefit from the primary cardholder's past history.
@mfinsmi1 Yep, being an AU absolutely helps when it's a positive reporting but hurts if it's a negative reporting!!! Glad your friend was willing to help . . . that's a great friend!!! 
