AMEX BACKDATING QUESTION?

[Anonymous]

i applied and and recived my delta amex gold card in june, l was approve for my second card in november and want to know if they are going to backdate this new acct back to june?

[Anonymous]

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@Anonymous wrote:

i applied and and recived my delta amex gold card in june, l was approve for my second card in november and want to know if they are going to backdate this new acct back to june?

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Yes

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

i applied and and recived my delta amex gold card in june, l was approve for my second card in november and want to know if they are going to backdate this new acct back to june?

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Yes

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Incorrect. They do not backdate to the month, they only backdate the year. So it will say November 2014. If you got an American Express card in January next year, it would say Jan 2014.

edit: spelling.

[Anonymous]

Yeah my bad. Didn't read it correctly 

[Anonymous]

If i'm reading your reply correctly solongtj..

Your saying if i openned an Amex in june of 2010 as my first Amex card, and openned a new one in Jan of 2015 the new card would say it's older then the original?

Are you referring to what the accounts show up as on the CRAs? Both my amex cards are business cards, and only refer to year as far as i can see. Although i haven't looked further then the member date on the card itself.

[jamesdwi]

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@Anonymous wrote:

If i'm reading your reply correctly solongtj..

Your saying if i openned an Amex in june of 2010 as my first Amex card, and openned a new one in Jan of 2015 the new card would say it's older then the original?

Are you referring to what the accounts show up as on the CRAs? Both my amex cards are business cards, and only refer to year as far as i can see. Although i haven't looked further then the member date on the card itself.

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yes,  all my amex report as older than my first,  first AMEX  dec, 2011,  second reports at jan 2011, third  AMEX reports May 2011, ( couldn't wait needed it for work travel). 

[Anonymous]

Thank you James. Good to know. Will only app any additional Amex in the month of Jan then.

[09Lexie]

The backdating for business cards is a YMMV. Some have been lucky but in general, the backdating is a consumer benefit. 

[longtimelurker]

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@Anonymous wrote:

Thank you James. Good to know. Will only app any additional Amex in the month of Jan then.

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As time goes on, and the number of credit lines on the report increase, worrying about app month makes much less sense.   An extra 11 months, divided among say 20 open and closed lines, will have very little impact.   If you can sensibly use the benefits of the new card, getting it ASAP may well provide much more value.

[Anonymous]

My second business card backdated automatically. Just thought i would mention for people viewing this in the future.