12-11-2012 05:37 PM
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?
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
12-11-2012 05:39 PM
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.
12-11-2012 06:11 PM - edited 12-11-2012 06:14 PM
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)
12-11-2012 06:13 PM
From everything I have seen, you will for sure be backdated. Especially if the accounts were closed in otherwise good standing.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO