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-Cain-
Posts: 1,283
Registered: ‎04-06-2011

Re: AMEX ZYNC!

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‎09-09-2012 04:48 PM - edited ‎09-09-2012 04:49 PM

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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kobe2012
Posts: 583
Registered: ‎03-16-2012

Re: AMEX ZYNC!

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‎09-09-2012 04:55 PM

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
tryin to garden!!!!!

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jsucool76
Posts: 2,621
Registered: ‎12-11-2011

Re: AMEX ZYNC!

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‎09-09-2012 04:57 PM

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. 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
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creditnocash
Posts: 1,918
Registered: ‎07-23-2012

Re: AMEX ZYNC!

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‎09-09-2012 04:57 PM

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: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
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kobe2012
Posts: 583
Registered: ‎03-16-2012

Re: AMEX ZYNC!

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‎09-09-2012 05:06 PM - edited ‎09-09-2012 05:06 PM

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
tryin to garden!!!!!

Take the FICO Fitness Challenge
 
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Valued Contributor
creditnocash
Posts: 1,918
Registered: ‎07-23-2012

Re: AMEX ZYNC!

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‎09-09-2012 05:13 PM

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: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
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