FlyerTalk Forums - View Single Post - Adding Authorized Users to Aged Accounts (5/24?)

Aug 14, 2023 | 4:49 pm

#6

Boraxo

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Quote:

Originally Posted by scubadu

My review of the post you quoted, leads me to believe (I think?

):

Chase does "backdate" AU cards to original opening date (and thus would not count an AU's card as a 5/24 hit if added to an "aged" primary account)
Amex does NOT "backdate" AU cards to original opening date (and thus would count an AU's card as a 5/24 hit if added to an "aged" primary account)
Capital One... honestly, no idea...
Citi... honestly, no idea...

To use your quote, this is clear as mud to me.

So let's try a couple of clarifying questions:

If Amex does not "backdate" then if you apply for a new CHASE card, when calculating 5/24, CHASE will include all of your AMEX AU cards that were first issued to the AU in the last 24 months?
Chase will not include any Chase AU accounts when calculating your 5/24, correct?

Amex does not use 5/24 so presumably it does not matter if you have recent AU cards on your credit report when applying for Amex.

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