Average Age of Account Surprise
Nov 8, 2012, 2:19 pm
#1
Original Poster
Join Date: Aug 2010
Location: LAS, MPL
Programs: DL Platinum, 1 MM
Posts: 1,321
Average Age of Account Surprise
This may be old news to some on the board, but I just noticed an interesting artifact in my credit karma profile. Between September and November my AOA went up by 25 months, or a little over two years. The only explanation I can come up with is that I opened 2 AMEX cards in that time frame, the SPG 30K promotion and the Delta 70K promo. I have had AMEX cards for more than 25 years, so they must have somehow reported the original opening date as the age of those new accounts.
Nov 8, 2012, 3:07 pm
#2
Join Date: Aug 2004
Location: YYZ
Programs: AA LT Plat, AC 25K, Marriott Plat, Hilton Diamond
Posts: 1,137
This may be old news to some on the board, but I just noticed an interesting artifact in my credit karma profile. Between September and November my AOA went up by 25 months, or a little over two years. The only explanation I can come up with is that I opened 2 AMEX cards in that time frame, the SPG 30K promotion and the Delta 70K promo. I have had AMEX cards for more than 25 years, so they must have somehow reported the original opening date as the age of those new accounts.
For example, my first personal Amex was opened in Dec 1999 and that is the open date on my credit report. My SPG Amex was opened in Aug 2012, but shows a date of Aug 1999.
In fact, from past experience, this is even true when doing a Global Transfer (at least from the US to Canada).
Nov 8, 2012, 5:01 pm
#4
Join Date: May 2012
Posts: 221
Only works for primary cardholder though 
My wife has multiple AMEX cards on her credit report from being an authorized user on my account but she was never the primary so they wouldn't back date for her. Oh well. We've since learned the beauty of each opening up accounts.
My wife has multiple AMEX cards on her credit report from being an authorized user on my account but she was never the primary so they wouldn't back date for her. Oh well. We've since learned the beauty of each opening up accounts.
Nov 9, 2012, 8:53 pm
#5
Join Date: Oct 2012
Posts: 26
Only works for primary cardholder though
My wife has multiple AMEX cards on her credit report from being an authorized user on my account but she was never the primary so they wouldn't back date for her. Oh well. We've since learned the beauty of each opening up accounts.
My wife has multiple AMEX cards on her credit report from being an authorized user on my account but she was never the primary so they wouldn't back date for her. Oh well. We've since learned the beauty of each opening up accounts.
Nov 9, 2012, 10:10 pm
#6
Join Date: Apr 2012
Posts: 1,184
Only works for primary cardholder though
My wife has multiple AMEX cards on her credit report from being an authorized user on my account but she was never the primary so they wouldn't back date for her. Oh well. We've since learned the beauty of each opening up accounts.
My wife has multiple AMEX cards on her credit report from being an authorized user on my account but she was never the primary so they wouldn't back date for her. Oh well. We've since learned the beauty of each opening up accounts.
Nov 10, 2012, 8:53 am
#8
Join Date: May 2011
Location: Illinois.
Programs: Switched from UA 1K to AA so I could earn EQD's on partners. Mid-tier on most major hotel programs.
Posts: 542
It's a well-known thing that Amex reports new personal accounts as having been opened in the year that is indicated on your cards as the "Member Since" date (which is the year your first Amex was opened, if you've continuously held at least 1 personal Amex at all times), with the month the new account is opened being the actual month.