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Posts: 84
Registered: ‎06-29-2009

AMEX MSD/Backdating

Okay so I've found alot of information on how backdating works but didn't find this:


My member since date on my newly received AMEX Gold Delta card is in fact 2013 though my AMEX Gold Delta AU record in the CR says 2003.  I am expecting that the updated CR will also reference the new AMEX cards (my own Gold Delta and the BCE) as 2003 but my question:  Is there any reason I would want the MSD to also reflect 2003 on my actual card?????


I am thinking the backdating is important for the AAoA and that changing the MSD on the card is a personal preference.  Am I right?

CSP - 11,000 Chase Freedom 12,000; AMEX Delta Gold 2,000; AMEX Delta Platinum (AU) 15,000; Discover IT 9,500; BOA Cash Rewards 30,000; AMEX BCE 9,900; Belk 7,000; Macys 7,000; Lane Bryant 3,600; HH Gregg 3,000; Care Credit; 7,200; Bloomingdale's 3,000
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012

Re: AMEX MSD/Backdating

Super Contributor
Posts: 9,668
Registered: ‎01-28-2010

Re: AMEX MSD/Backdating

That's right ~ the MSD showing online is what will carry over to your credit reports. The date showing on your plastic doesn't matter.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

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