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Community Leader
Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011
0

Re: AMEX ZYNC!

[ Edited ]

Backdating means future AmEx cards you obtain will have this year and the month you apply for the card as an open date.


Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

Re: AMEX ZYNC!

So if i apply on march of 2013, the backdate for that card would be 01/2012???? Not 09/2012?

Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Senior Contributor
jsucool76
Posts: 3,606
Registered: ‎12-11-2011
0

Re: AMEX ZYNC!

No it would be 03/12, It backdates to whatever month you apply during, to the year of your original amex card. That is why many people suggest applying during January because you get the whole year basically. 

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: AMEX ZYNC!


kobe2012 wrote:
So if i apply on march of 2013, the backdate for that card would be 01/2012???? Not 09/2012?

no if you apply in 3/13 it will read as opened 3/12  and your original card will still read 9/12 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

Re: AMEX ZYNC!

[ Edited ]

Oh, thats awesome! That would help with my AAoA if i try on january... That would also be a soft pull right? And hard pull if approved??? ( on charge cards or revolvers)


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: AMEX ZYNC!


kobe2012 wrote:

Oh, thats awesome! That would help with my AAoA if i try on january... That would also be a soft pull right? And hard pull if approved??? ( on charge cards or revolvers)


yes thats correct.

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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