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Established Contributor
TiggerDat
Posts: 1,040
Registered: ‎10-15-2011
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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.....



Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!
Valued Contributor
jamesdwi
Posts: 1,897
Registered: ‎09-16-2011
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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 & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Frequent Contributor
somnipotent
Posts: 367
Registered: ‎06-02-2008
0

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
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
parakleet
Posts: 1,145
Registered: ‎04-13-2013
0

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+
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HiLine
Posts: 2,950
Registered: ‎10-19-2012
0

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 :smileyhappy:

Frequent Contributor
w20031424
Posts: 360
Registered: ‎10-17-2012
0

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
Frequent Contributor
w20031424
Posts: 360
Registered: ‎10-17-2012
0

Re: A trick to increase your AAOA??

[ Edited ]

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
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Super Contributor
longtimelurker
Posts: 7,247
Registered: ‎04-22-2013
0

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.

CSP, Freedom, Chase Amazon, Cap One QS (x2), Penfed Plat Rewards (x2), Citi Double Cash, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus, Fid Amex
Scores May 14: EQ 848, EX 833, TU 848 (Sep)

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