Credit Card Center Advertiser Disclosure

Established Member
Posts: 18
Registered: ‎08-04-2013
0 Kudos

American Express Backdate?

I was just approved for a new Business Green account with American Express.  My first ever card with Amex was in 2007, but I never had a Business card until right now.  I called and asked if both of my cards (business and personal) could be backdated to 2007.  The phone rep told me to hold on so they could check.  She came back and said that yes, they were going to send me two new cards that both say Member Since 2007 on them.


Does this mean that even on my Business Credit reports I'll have a tradeline as old as 2007?  Please let me know.  This is actually the first time I've ever been able to get business credit and I'm excited about it.  i want to do everything possible to make it as good as it can be and grow it.


Thanks in advance.

Epic Contributor
Posts: 29,450
Registered: ‎10-23-2007
0 Kudos

Re: American Express Backdate?

I would bet no

I actually can't believe they are backdating your card date... business and personal cards have always carried there own starting member date I thought.

business credit works so differently anyway, unless you are really going for some loans or something without PG it's not nearly that important.

almost all credit cards are going to need PG until you get into BIG leagues and with pg they could careless about the business credit.

Valued Contributor
Posts: 1,531
Registered: ‎09-14-2012
0 Kudos

Re: American Express Backdate?

Yes, Business and Personal cards backdate.  My Business Green card is backdated to 2005, when it was opened in 2013.

Starting a whole new chapter
Posts: 9
Registered: ‎09-10-2013
0 Kudos

Re: American Express Backdate?

This is great info that i didnt know about.


So I want to cancel my personal Amex Plat card (don't need it right now), and I've been with them since 2010. If I cancel the Plat now and open a personal Amex SPG card in 2018, will my Amex SPG have a tradline on my credit reports (all three bureaus) that says opened in 2010? 

So Amex helps people's AAoA? 

Valued Contributor
Posts: 1,246
Registered: ‎04-23-2013
0 Kudos

Re: American Express Backdate?

I had a Amex business gold back in 96. I ran into trouble and they gave me a amount that would settle the account. In July this year I apped and received a gold and simply cash. Is it a good idea to call and try to back dated or just leave enough alone?


Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.