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I don't think the actually backdating is for the account, just for the aspect of member since.....
Each new card's date is <month of approval>/<membership year> .. if your membership date is 1980, a new card today would be dated 6/1980. Verified on my own Accounts, first card 12/2011 (12/2011)... second card 1/2011 (January 2012).
wanna know my trick? it's called GARDENING!
@youngandcreditwrthy wrote:
So if I opened my first Amex 10/2012 and a new Amex 06/03/13, what month/ yearwill it say it was opened on my credit report?!?
For the new Amex? 6/12
@parakleet wrote:
What happened to wanting to join the military in 2020 or whatever to be able to join the navy cu?
I will still join National Guard or reservist once I became eligible. As for NFCU, no more waiting is needed because I joined through my roommate, under the suggestion with one of the NFCU CSR.
@jamesdwi wrote:Each new card's date is <month of approval>/<membership year> .. if your membership date is 1980, a new card today would be dated 6/1980. Verified on my own Accounts, first card 12/2011 (12/2011)... second card 1/2011 (January 2012).
That's what I'm saying. If you piggybacked your Dad as an AU and your membership dated back thirty years ago, while you only had real credit history for three years. Well.. You can imagine how much your AAOA will increase if you add two "30-year-old" CC to your credit report, which may only cost you one inquiry if you apply for them together.
@w20031424 wrote:
@jamesdwi wrote:Each new card's date is <month of approval>/<membership year> .. if your membership date is 1980, a new card today would be dated 6/1980. Verified on my own Accounts, first card 12/2011 (12/2011)... second card 1/2011 (January 2012).
That's what I'm saying. If you piggybacked your Dad as an AU and your membership dated back thirty years ago, while you only had real credit history for three years. Well.. You can imagine how much your AAOA will increase if you add two "30-year-old" CC to your credit report, which may only cost you one inquiry if you apply for them together.
Not sure if you are referring to an old style of backdating, when if your father became a member in 1980, and you were added as an AU in 2008, you would get a member since date of 1980? This isn't (shouldn't) done any more, you backdate to the date you became an AU, not the date of the cardholder.
Still somewhat valuable, but you should no longer see cardholders with a member since date from before they were born.