AU on Zync

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Centium
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AU on Zync

Postby Centium » Thu Jul 26, 2012 11:21 pm

If I add an AU to my Zync and then they apply for their own card in lets say 3 years (2015), will they get backdated to 2012? If so, how long do they need to be an AU on the account? Also, will my charges, balances, payments, etc, show up on their report? Looking to help someone who is new to credit and would like them to get a few extra years of history when they apply for their own Amex.
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Money card
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Postby Money card » Fri Jul 27, 2012 12:27 am

who ever your helping I hope it's a family member and not a friend or neighbor, because they have history of not paying back what they owe and it gets messy. but if it's a family member that's fine. It probably won't because it's your card and account number if the person want's there own card in a few years they will be given the date they applied plus, they would have there name on the card, if it's your wife or husband then the answer would be yes. no length of time is needed as long as the accounts are the same number, last four can be changed for security reasons.

if your sharing a card and your the one that filled out the application it will say the financial company's name or bank name. on there credit report it should say the same but it will have the year you opened up the card it might say on there report additional user.
I'm not exactly 100% sure.

Centium
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Postby Centium » Fri Jul 27, 2012 2:35 am

Money card wrote:who ever your helping I hope it's a family member and not a friend or neighbor, because they have history of not paying back what they owe and it gets messy. but if it's a family member that's fine. It probably won't because it's your card and account number if the person want's there own card in a few years they will be given the date they applied plus, they would have there name on the card, if it's your wife or husband then the answer would be yes. no length of time is needed as long as the accounts are the same number, last four can be changed for security reasons.

if your sharing a card and your the one that filled out the application it will say the financial company's name or bank name. on there credit report it should say the same but it will have the year you opened up the card it might say on there report additional user.
I'm not exactly 100% sure.


It is actually for a family member. The idea was not even giving him the card at all. I just want to add him (and keep the card) so he gets the "free" history and backdating. Are you saying that he will not be backdated? Thanks.
Chase Sapphire Preferred - $20,400 | Citi Dividend World Elite Mastercard - $19,600 |Amex Delta Skymiles Gold - $14,000 | Chase Amazon Visa Signature - $6500 | Dell Preferred Account - $2,500 | Kohl's Charge - $2500 | Amex ZYNC - NPSL

Money card
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Postby Money card » Sat Jul 28, 2012 12:57 am

I'm guessing if it's your brother or cousin the answer would be no. because the account belongs to you, you pay the bill.
But if it's your wife or husband because your married I would say yes.

for example back in 1994 me and my dad shared a gold card I used the card, when going out to places.
I now have a green card got it in 2010 the membership date says 10 not 1994 or 94.

if your married to someone I would say yes but if it's just a family member example brother , sister or cousin I would say no if they decide to apply in a few years they would get there own date.

your welcome.

Reclusive46
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Postby Reclusive46 » Sat Jul 28, 2012 6:15 pm

Money card wrote:I'm guessing if it's your brother or cousin the answer would be no. bbecause the account belongs to you, you pay the bill.
But if it's your wife or husband because your married I would say yes.

for example back in 1994 me and my dad shared a gold card I used the card, when going out to places.
I now have a green card got it in 2010 the membership date says 10 not 1994 or 94.

if your married to someone I would say yes but if it's just a family member example brother , sister or cousin I would say no if they decide to apply in a few years they would get there own date.

your welcome.


You actually have to call Amex and tell them though and help them try and find the card number. I got my dads one when I applied for one myself about 5 years ago, I just had to call them and luckily they found it.
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