It used to be that when you added an Authorized User to a CC account, the date showing for that user would mirror the date on the parent account.
Then primary users realized that by adding AUs to their older accounts, they could effectively improve the credit profile of said AUs. A cottage industry arose where people would sell access to their cards. As you might imagine, CRAs and creditors were not celebrating this.
It appears that at least some issuers have responded by aging an AUs account based not on the account age, but rather on when they were added the account. I discovered this accidentally this weekend, reviewing a sibling’s profile on CreditKarma: three of three Amex accounts exhibited this behavior.
My question: can we confirm that are their any issuers who still use the actual date of account opening on AU cards, rather than the date the AU was added?
TIA for your data points.