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A trick to increase your AAOA??

Valued Contributor

Re: A trick to increase your AAOA??

I don't think the actually backdating is for the account, just for the aspect of member since.....

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Message 11 of 26
Valued Contributor

Re: A trick to increase your AAOA??

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).

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 12 of 26
Frequent Contributor

Re: A trick to increase your AAOA??

wanna know my trick?  it's called GARDENING!


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 13 of 26
Senior Contributor

Re: A trick to increase your AAOA??

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?!?

All this talk about FR IS SCARY! Don't try to game the system! The Amex popo will getchu.
Btw, noticed on my Delta app yesterday that Amex specifically mentioned that "gift card or cash equivalent purchases" will not count towards the $500 spend to get the 30k points.
So Amex is catching on to the 'manufactured spending' stuff.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 14 of 26
Valued Contributor

Re: A trick to increase your AAOA??

What happened to wanting to join the military in 2020 or whatever to be able to join the navy cu?

Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Message 15 of 26
Blogger

Re: A trick to increase your AAOA??


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 Smiley Happy

Message 16 of 26
Frequent Contributor

Re: A trick to increase your AAOA??


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.

Fide Amex 15K | Barclays Reward 3.5K | Citi Forward Student 5K | Discover IT 12.8K | US Cash Reward 6K | GE Paypal 5.5K | Wal Discover 6K | CapOne 3.5K | Kohl's 0.3K
Message 17 of 26
Frequent Contributor

Re: A trick to increase your AAOA??


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.

Fide Amex 15K | Barclays Reward 3.5K | Citi Forward Student 5K | Discover IT 12.8K | US Cash Reward 6K | GE Paypal 5.5K | Wal Discover 6K | CapOne 3.5K | Kohl's 0.3K
Message 18 of 26
Senior Contributor

Re: A trick to increase your AAOA??

Wait hiline!
So it gets backdated to before even the original account open date?
It'll list on my CR as opened in June 2012??! That's crazy!! Wow!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 19 of 26
Super Contributor

Re: A trick to increase your AAOA??


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.

Message 20 of 26