Jump to content

Shoot me if this has come up before- Amex D*


The last post in this topic was posted 2465 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

Okay, so I know that AU's have gotten drastically less d* love in the last year or two... but how about if a current/past Amex customer applies jointly with a person that has never had an Amex and they fight to get the account d*? Has anyone done this? Does it work? Again, I'm sorry if this has come up before- I've said it many times- I SUCK at the search feature on here.

Edited by amandanicolem87
Link to post
Share on other sites

I don't think Amex does joint accounts.

 

You need to add your D*nor as an AU to your Amex for the best shot at D*. Then they request D* on the AU card (it will still show up as a new account on their reports, even after the change). After they are successful, you request the change on your account.

Link to post
Share on other sites

I don't think Amex does joint accounts.

 

You need to add your D*nor as an AU to your Amex for the best shot at D*. Then they request D* on the AU card (it will still show up as a new account on their reports, even after the change). After they are successful, you request the change on your account.

 

They don't. My spouse is an AU on my SPG because of this.

Link to post
Share on other sites

The rep I spoke to the other day informed me that even though my wife's account, and her new cards say MS 84, that her AU cards on my account (also MS 84) would still only report as 2014, when she was added as AU.

So her own cards report correctly as 84, but I assume, and will find out soon, that my AU under her card will show 2014 as well...??

 

Anyone know something different?

Link to post
Share on other sites

That's correct. AU cards report the actual date opened.

 

 

That was my understanding before I asked the rep, but asked anyway, just in case....

I only mention it in this thread so no one else is surprised by it, since they are talking D* for AU's...

Link to post
Share on other sites

So, let me make sure I'm perfectly clear on this....

 

1) Apply for and receive Amex

2) Add a ~current~ Amex holder as an AU on MY card

3) Have AU d* THEIR card

4) Request that MY Amex report the same date as my AU's date.

 

I need to take every precaution to not screw this up.

Link to post
Share on other sites

So, let me make sure I'm perfectly clear on this....

 

1) Apply for and receive Amex

2) Add a ~current~ Amex holder as an AU on MY card

3) Have AU d* THEIR card

4) Request that MY Amex report the same date as my AU's date.

 

I need to take every precaution to not screw this up.

Correct, but ask for the Member Since date to match. Never mention reporting or backdating.

Link to post
Share on other sites

So, let me make sure I'm perfectly clear on this....

 

1) Apply for and receive Amex

2) Add a ~current~ Amex holder as an AU on MY card

3) Have AU d* THEIR card

4) Request that MY Amex report the same date as my AU's date.

 

I need to take every precaution to not screw this up.

 

 

Also known as the BW cha cha slam dunk method

Link to post
Share on other sites

My wife was an AU on my card in 94. We closed card out never used much. So we got back in with amex a few months ago & my card was D* 94. I added her as an AU again and she requested to get her D* back to 94. They did no problem. So my dad has been with Amex since like 81,82 ish. I told him about my card bla bla bla. He remined me, my step mom had made me an AU in 87 on there Amex(which they still have) when I was in high school. He even still had the card in his files if I needed it. Our swim team went to Buffalo NY, for a meet. I took card with me. So long story short, I tried 3 or 4 times on chat and they would not budge. I finally got my 87 D* a few weeks ago. So yesterday wife did chat to ask a question abut her PRG. I told her to ask if she can have her AU card on my account match mine. He asked what was my year? She told him 87. He said no problem. Next day her D* IS 87! Also she has her own cards as well now, PRG & Delta Gold. So its getting harder, but still possible. Funny thing is we didn't even know each other in 87, She just asked to have our D* match. Now if I wanted to push my luck, my old card MSD says like 82 when my dad opened account. It was 87 when I was added, cause they wanted me to have the card incase I needed it. I was 10 in 82 so that would of looked weird.. lol

Link to post
Share on other sites

The last post in this topic was posted 2465 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Similar Content

    • By MJPEREZ77
      Happy New Year's to all my fellow CBers:
       
      Hope everyone had a safe and happy holiday season. I had a quick question, I have read threads on D* and in everything I got a little confused. With regards to an AU card, IF the AU had their OWN AMEX in say 1993 would they be able to use that as a D* date if added on as an AU? I know that it is said AU D* is dead, however, I kinda got turned around in my readings, I think that it is dead with regards to the MAIN CC Acct Holder having D* and the AU trying to get the SAME D* that really wasn't theirs. I am assuming that if the AU had a potential D* of 1993, that AMEX would honor it regardless of the date on the new acct, am I completely off here?
       
       
      Also, if AMEX did allow it, what might the impact be on the AU's AAOA. would it truly effect it? Or since it's only an AU card does it factor differently?
       
       
      As always, thanks for all your help and guidance, I have some success stories to share as soon as I get caught up with school.
    • By JayB27
      So my Amex reported upon refresh of USAA today.
       
      I have read that letting a balance report may, or may not, aid in the first reporting cycle.
       
      Here are my results:
       
      Two cards, approved same day, 30 days ago.
       
      PRG no balance/did not report first cycle. ED had a balance/reported first cycle, 30 days after acct opening, 3 days after statement close.
       
      If we can get more data on this we can establish how much the balance reporting method has on reporting the new accounts.
       
      Whether or not it is more common with revolvers opposed to charge cards. There must be a method to the madness that is Amex.
       
      Please share your recent results or add to this thread when your new accounts report, with the basic information.
    • By dilligaf
      Trying to keep it short ...
       
      I have been away for a while. Came back this week to say hi in GD. Started reading around in CF and saw this thread:
      The Master Blacklist Black List Thread – Work In Progress, Help Needed
       
      Now, I haven't applied for an Amex since 2007. Back then, the CO was no longer on my reports. Only denied because of internal blacklist. Not sure when it actually CO'd.
       
      So, I thought WTH. I'll try. Applied for the Everyday card because it looked kind of cool.
       
      FACO on TU is 721. The rest are unknown.
       
      I do have quite a few other cards at this point with about $50k total in CLs ranging from $500 (Target) up to $25k (USAA).
       
      I was approved for $2k. Eh. Not great. But, I am back in. Don't know if that is good or bad yet.
       
      Then I start reading about D*. Hmmm. Better check that out. Click the chat button and ask if I can get my Member Since date set back to my original. Sure Mr. D. Let me look that up for you. Is **** correct? Yes sir, that sounds about right. New date shows online before we finish the chat.
       
      Boom, a brand new CL from 1998.
       
      Once again, thanks CB. You guys are awesome as usual
    • By mendelssohn
      There are usually a lot of questions about why to apply for new Amex cards in January, particularly this time of year. Below is a brief explanation.
       
      When you have an Amex log in, you have a "Member Since" date. For example, here is what mine looks like when I log in to my account.
       

       
      Once you have established a "Member Since" date, every new Amex you open will show as being opened in the MS year. For example, every Amex I open reports as being opened in 1992. A new Amex will report the month that it was opened with the MS date as the year.
       
      For example, let's assume a MS date of 2013 and two different scenarios for opening a second card.
       
      MS date 2013
      Amex 2 opened December 2014
      Amex 2 reports as opened December 2013
      reports as 1 year old
       
      MS date 2013
      Amex 2 opened January 2015
      Amex 2 reports as opened January 2013
      reports as 2 years old
       
      If you have a really young MS date, you can see why applying in January can help you boost your AAOA over time. Waiting 1 month in this example nets another year of account age.
       
      If you don't have an Amex, it is wise to get one before the year ends to lock in a MS date.
       
      If you have a young MS date, it is wise to wait until January to take advantage of the account age as much as possible.
       
       
       
    • By Menta33
      I have a friend who had an Amex opened in 1985 but does not have one today. Their Experian FICO was 666 a month ago due to these factors:
       
      Pluses:
      Utilization: 8% Oldest Account: 20 years Average Age: 10 years Inquiries: Zero Minuses:
      3 Public Records (3 federal tax liens from Feb 2012, two say released, one not showing that) Only 2 Accounts in good standing No recent non-mortgage installment loans Most recent late payment 1 year 6 months ago (60 days late January 2013 on car loan) I think an Amex backdated to 85 would be a great addition to their credit report, but don't want to have them apply if unlikely they will be approved. Was looking at the Delta and Hilton cards as possibly being good ones to try, or would a green card be a more likely approval?



  • Member Statistics

    • Total Members
      180,661
    • Most Online
      2,046

    Newest Member
    TheNovelist7905
    Joined
×
×
  • Create New...

Important Information

Guidelines