cancel
Showing results for 
Search instead for 
Did you mean: 

AMEX and backdating

Frequent Contributor

AMEX and backdating

I had two AMEX cards both opened in 1995, one each charge and revolver.  In 2009 both had a zero balance and when I missed two mortgage payments they felt compelled to close both accounts.  I do have a company provided AMEX Corporate card in my name (or however it works, both mine and company name on card) and that date is also (unbelievably) 2009.

 

If I app'd for AMEX at this point, knowing they personally shut me down almost four years ago but professionally carry the Corpo card, would I be likely to get a card backdated to 1995?


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



3 REPLIES
Valued Contributor

Re: AMEX and backdating

If you apply now, you probably won't get backdated right away (your first card will probably be printed as 2012). You have to call AMEX and let them dig through the record.

Frequent Contributor

Re: AMEX and backdating

Yes, you will get backdated if you are approved.They have you on record ( In my case they closed my card in 2009 and when i got my new one it was backdated to 2001)


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Highlighted
Established Contributor

Re: AMEX and backdating

From everything I have seen, you will for sure be backdated. Especially if the accounts were closed in otherwise good standing.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge