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AMEX Backdating

Regular Contributor

AMEX Backdating

I know what backdating is but is confuse about how it work. I've had the Green card since Nov. 2011 and would like to app for their revolver, BCE, card but not sure when to apply to get the backdating. Can anyone explain this please. Thanks.

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2 REPLIES
Established Contributor

Re: AMEX Backdating

You can get the backdating no matter when you apply.  However, let's say you apply this month, then you would have a Green card since 11/11 and a BCE since 10/11 (after backdating).  If, however, you applied in January, you would have a Green card since 11/11 and a BCE since 1/11...effectively giving you almost a year of extra history for just a few months of waiting.

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
My Loans: Prosper $25k/36mo, Prosper $17k/36mo
My Business: Chase Ink VS $5k, Amex BRG NPSL (> 10k),
Message 2 of 3
Established Contributor

Re: AMEX Backdating

back dating happens automatically if not you call to have it fixed.

 

Backdating works by taking the MONTH of your application for new line of credit now Oct and takes the member start date YEAR which is 2011 on your Green. So you'll have 1 year of history if you get a BCE card now. But hold off til January 1st and you'll get the January month of 2011 for a full 2 years of history. pretty nice trick right?


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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