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AMEX BACKDATING QUESTION

Regular Contributor

AMEX BACKDATING QUESTION

I understand that whenever you get an additional AMEX card, it will show up on the same year as the first account opened

So if i opened the first one in January 2012 and my second one is in March 2014, it will show up as March 2012 right ?

 

Now the question is like that?

I just started building credit in May 2012 (this year) and i plan to apply in December for an AMEX so i can still make it a 2012 year.

Now my question is how will my 2nd card backdate ?   Lets say i get another card in January 2014. Will it backdate to December 2012 or January 2012 ? i understood it goes to the same month but in the opening year, but technically January 2012 i wasn't a member yet, so will it just go on December 2012 ?

If it goes to January 2012 how does it make sense on my credit report? I just got my social in March 2012.

FICO 8's EX 770 EQ 751 TU 771 (1/16/17)
Amex Gold Premier rewards ( Charge Card)
Amex Blue cash - $47,800 Wells Fargo - $15,000 Citibank Simplicity - $13,800 Barclays Apple - $13,000 Walmart Mastercard - $8000 Chase Slate - $7,200 Discover It - $5,500 Capital One - $5,250
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Established Contributor

Re: AMEX BACKDATING QUESTION

If you get a 2nd card in January, 2014, it will report a start date of 1/12. Even though you didn't have any cards until December 2012. Many of us have cards backdated to before Amex even offered revolvers. It is just a quirk of their system.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Message 2 of 5
Established Contributor

Re: AMEX BACKDATING QUESTION

Welcome to the USA!
Amex backdating procedures are just as you describe them. If you apply in December 2012 and get approved for the card, you are going to be in their system as "member since 2012" . Little perk which then allows you to backdate future approvals in January 2014 to actually show up in your reports as opened in January 2012 (as if you had had that card even before the first one you got). thus, increasing your aaoa significantly.
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 3 of 5
Valued Contributor

Re: AMEX BACKDATING QUESTION

yes this is the logic. 

im in the same boat. 

 

the day you apply and app is approved is the day your member since 

 

i apped on 8/30 and my card says meber since august of '12

so when i app in jan '14 all my inq will be gone or about 1 1/2 years old and will fall off that summer. 

 

and when im approved it should say on the new card and cr's member since jan of '12

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 4 of 5
Regular Contributor

Re: AMEX BACKDATING QUESTION

Im definitely App'n for a Zync before the end of this year, so I can start being an Amex 2012 member

Message 5 of 5