Crashem wrote:Couple of misconceptions:
1) Adding you as AU on his AMEX will not help your AAoA in short term. You will get a reported open date of this year. On the other hand, with almost any other card assuming it reports, you would get their card history including their open date. However, AMEX will help you in future as you will always have open date of this year which will really help you in the years to come.
2) With the AMEX, you should be able to create a login as an AU. More importantly you can then set up payment from your bank account. You will then be able to pay your charges if you are able to do it before your dad does.
It is my understanding that the trade line is essentially his father's. His ECOA would be a 3 or authorized user. Since the trade line is his fathers, the open date on his credit report would be the same as his fathers. Now, in terms of his Member Since date, yes, going forward he would be a Member Since 12 as that is the year he was added. But the trade line should reflect his father's opening month and year for example 3/92. I used to review credit reports in a previous career and I saw plenty of Amex auth user accounts with old open dates. As with any auth user account, the primary's trade line is essentially listed on the a/u's bureau.