topic Re: Got approved for AMEX gold, have backdating question in Credit Cards

Got approved for AMEX gold, have backdating question

Madman94044 — Mon, 30 Jul 2012 16:48:02 GMT

I got approved for an AMEX gold card today after looking at the pre-qual page on the website. I'm stoked to get get this card, happy that my credit profile is moving in the right direction.

Here's my question, I've had a Corp Amex card for the past 9 years, it's still active but has never shown on any of my CRs, will AMEX backdate my new Gold Card to reflect I've been a member since 2003 and report that info to all 3 CRAs?

Thanks.

Re: Got approved for AMEX gold, have backdating question

searchingfor67 — Mon, 30 Jul 2012 16:50:42 GMT

Short answer, no. Backdating is only applicable to personal credit/charge card holders, and maybe authorized users (although I'm not really certain about this one)...

Re: Got approved for AMEX gold, have backdating question

Madman94044 — Mon, 30 Jul 2012 16:58:41 GMT

Interesting, once I get my card, I'll give them a call and ask.

Doesn't hurt to try I guess...

Re: Got approved for AMEX gold, have backdating question

trumpet-205 — Mon, 30 Jul 2012 17:00:50 GMT

searchingfor67 wrote:
Short answer, no. Backdating is only applicable to personal credit/charge card holders, and maybe authorized users (although I'm not really certain about this one)...

AMEX does not backdate AU, though some people managed to slip the crack.

Re: Got approved for AMEX gold, have backdating question

sjt — Mon, 30 Jul 2012 18:35:35 GMT

Madman94044 wrote:
I got approved for an AMEX gold card today after looking at the pre-qual page on the website. I'm stoked to get get this card, happy that my credit profile is moving in the right direction.

Here's my question, I've had a Corp Amex card for the past 9 years, it's still active but has never shown on any of my CRs, will AMEX backdate my new Gold Card to reflect I've been a member since 2003 and report that info to all 3 CRAs?

Thanks.

AMex recently revised their back dating policy. In the past you can get back dated based on AU and I think corporate card membership. Under the new policy its only based on when you actually became a primary cardmember.

You might try and see if you can get the account backdated based on your corporate card membership, it wont hurt to ask.

Re: Got approved for AMEX gold, have backdating question

Rexmundi000 — Mon, 30 Jul 2012 18:52:13 GMT

I Just got a new account backdated as a previous AU 2 months ago. Did something change very recently?

Re: Got approved for AMEX gold, have backdating question

BullsEye10 — Mon, 30 Jul 2012 19:59:50 GMT

I'm with Rex on this one ... I applied for and was approved for the AMEX Platinum card on June 6 of this year.

My card says member since 89, when I became an AU on my fathers account (interestingly, that card was cancelled in 1994 and it didn't matter).

More importantly, on my Experian report it reports as a 23 year old account!

Unless this is a brand new policy (newer than the last 60 days) you should be ok ... just make sure to tell a CSR what you want (that's what I had to do).

Oh, and Congrats on the approval!

Re: Got approved for AMEX gold, have backdating question

OhioCPA — Mon, 30 Jul 2012 20:17:31 GMT

I thought the policy change was that when an additional card member (ACM) gets their own account the new account is "backdated" to when the ACM became an AU on the account.

For example, I added my son to one of my accounts last year, if he gets his own card this year it will be backdated to 2011. His current card shows member since date of 1984. Under the new policy even as an ACM he would have had a card dated 2011.

Re: Got approved for AMEX gold, have backdating question

sjt — Mon, 30 Jul 2012 20:39:45 GMT

Rexmundi000 wrote:
I Just got a new account backdated as a previous AU 2 months ago. Did something change very recently?

The last backdating policy change was 11-11.

Re: Got approved for AMEX gold, have backdating question

sjt — Mon, 30 Jul 2012 20:41:57 GMT

OhioCPA wrote:
I thought the policy change was that when an additional card member (ACM) gets their own account the new account is "backdated" to when the ACM became an AU on the account.

For example, I added my son to one of my accounts last year, if he gets his own card this year it will be backdated to 2011. His current card shows member since date of 1984. Under the new policy even as an ACM he would have had a card dated 2011.

There were a couple backdating policy changes. The first change was to backdate to when the ACM became a AU. The second (11-11) was to only backdate when the cardholder was an acual accountholder.

Re: Got approved for AMEX gold, have backdating question

Madman94044 — Tue, 31 Jul 2012 02:56:05 GMT

I'll update this post after I talk with Alex about it.

Thanks

Re: Got approved for AMEX gold, have backdating question

pizzadude — Tue, 31 Jul 2012 02:59:58 GMT

Madman94044 wrote:
I got approved for an AMEX gold card today after looking at the pre-qual page on the website. I'm stoked to get get this card, happy that my credit profile is moving in the right direction.

Here's my question, I've had a Corp Amex card for the past 9 years, it's still active but has never shown on any of my CRs, will AMEX backdate my new Gold Card to reflect I've been a member since 2003 and report that info to all 3 CRAs?

Thanks.

I was approved for an AMEX Zync card in November of 2011, which was my first personal AMEX card. I have also had an AMEX corporate card since '95, and I called in some time after I received my Zync to ask them to set my Member Since date to match my corporate card member since date. They were able to do this with no issues.

Hopefully it will work out for you, but as always YMMV.

Re: Got approved for AMEX gold, have backdating question

Madman94044 — Tue, 31 Jul 2012 03:03:09 GMT

I've checked some other threads and it looks like others have had success too.

Re: Got approved for AMEX gold, have backdating question

Madman94044 — Sun, 05 Aug 2012 18:04:31 GMT

Haven't received my card yet but logged in to Amex website today and saw they linked this account to my corp card.

Shows member since 2003 :)

Re: Got approved for AMEX gold, have backdating question

webhopper — Sun, 05 Aug 2012 18:37:29 GMT

Madman94044 wrote:
Haven't received my card yet but logged in to Amex website today and saw they linked this account to my corp card.

Shows member since 2003 :)

Whoo hoo! Very nice backdating story. Good work! Time to add more personal amexes?!

Re: Got approved for AMEX gold, have backdating question

Crashem — Sun, 05 Aug 2012 18:42:56 GMT

I think there is misconceptions in this tHread. Your member year should be when you first held aN Amex either as acm/au or primary. This may not happen on its own but that is policy as of 11/2011. Corporate card holders may have issues. I think depends on what kind of corporate card. For huge institutions, I think it is lesslikely to pick up date. For small corporate card holders, seems to work better. Also, on charge off accounts, it seems not to pick it up. In all cases, you can attempt to get it fixed. I have heard of people with charged off accounts get backdated to their charged off member date, but then get fr and blacklisted.