Okay, I'll go first.
My name is MMM and I am a backdated, Gold AMEX card carrying, AU
I was given the opportunity to become an AU
out of the unselfish, kindness of BW's heart. He is such a sweet person! Who is NOT shy (or coy at all)!
I never requested to be added as an AU
, it was offered to me and even though providing personal information was required, I felt it was right for me. In July 2010, I saw my first AMEX C/L show up on my credit report. First it was on EX
, then it followed on the other two.
In August, I applied for my own card. I did not have a specific reason to request the gold card, I just thought it was pretty. I never received any pre-approvals before that.
In regards to my backdating experience, shortly after activating my card I called to request that it be backdated. I was initially told NO and that's when I received my first F/R. At the conclusion of my first F/R I received a call from a AMEX supervisor and was told that my card was unfrozen and he thanked me for becoming part of the AMEX family. I then took that opportunity to again request that my card be backdated. He said he would take care of it and he did. The next month, my AAOA
was looking pretty sexy!
I keep referencing my first F/R because I am currently going through my second F/R, and I sincerely believe that it is only because one of my AU
's innocently enough used the card on PayPal for an EBAY purchase. So far, the update of this most recent F/R is that they specifically advised me of my pre-set spending limit, BUT they are still not unfreezing the account until they further investigate what they have defined as suspicious
usage of my AU
. So being an AU
is cool, but please be careful how you use the card.
The only other thing I would mention about being an AU
is, you will have privileged information such as the primary card holder's address, and you will need to protect that information just as diligently as you would your own. And also, when you apply for different types of cards later on (I'm speaking of ones like Citi, Chase, GEMB or whatever) you will need to keep that address in mind because from that point on, some of the identifying questions the other lenders will ask will be associated that address because it will show as a previous address.
I hope some of this helps and (since it looks like I will have quite a while to just sit and listen to my arteries harden while I wait for my FICO to increase)
feel free to ask me any questions you like.
Edited by mmm, 18 February 2011 - 07:17 PM.