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jaxstraw - this is how many who get the back date can do it. it starts with a defaulted account that is 'resurrected'... i think depending on how long ago it went bad, etc. they may not take the money for it. i offered- called and gave them checking info and authorization but they never took the money, others are able to repay. still others, like plastic, receive the backdate with no outreach.
in my case i had already repaid the acct through collections more than 15 years ago but amex didn't seem to have a record of that, so don't know perhaps ultimately that is why they didn't take the money from me again before backdating my cards to 1990 upon request.
Thanks, I had an AMEX Green form '92 that I defaulted on in '94 and is way past SOL.
Applied and recieved Delta CC eight months ago and converted to Blue Cash a few months ago after Ducky's post.
It's listed on TU and EQ as account closed by consumer ( who knows why, I only started looking into my credit last year after over decade) so it gives good average age to those CR's.
I would love to get it back on EX for the same reason and to improve my standing w/ AMEX.
I know , I know, but someday we'll get through all this BS w/ AMEX and it might be helpful.
BTW, has anyone ever heard of product changing from a Blue to a Green ?? I know others have posted it can't be done but with AMEX leaning more towards charge cards supposedly, it is something I would be interested in if possible. Meeting that Blue Cash quota is possible but takes away from other rewards cards in the long run.
Maybe I'll give them a call and see what they say.
jaxstraw wrote:
BTW, has anyone ever heard of product changing from a Blue to a Green ?? I know others have posted it can't be done but with AMEX leaning more towards charge cards supposedly, it is something I would be interested in if possible.
I was just talking to a Gold card CSR about other charge cards, as I'm considering downgrading to save a few bucks on the AF, and I asked her about this very thing. She confirmed that you can't really 'convert' from a revolver to a charge card, or vice-versa; all you can do is apply for the other kind of card and, if approved, then close the original card.
(edited because I'm still waking up and misread jax's post)