09-28-2012 07:31 PM
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.
09-28-2012 07:33 PM
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.
09-28-2012 07:39 PM
09-28-2012 08:00 PM
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
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