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AMEX backdating question

Frequent Contributor

Re: AMEX backdating question

Ao awesome

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 11 of 35
Frequent Contributor

Re: AMEX backdating question

You dirty dawgs, it was approved!!!! I kept reading these new threads on people getting huge score jumps from getting their amex backdated to their AU dates and I figured 1-3 HP were worth the risk!!
I was approved for the green. The guy from amex said
It wont be backdated but i hopes hes wrong!!!!

Does this mean i can apply for the delta gold credit card and be approved with the same application???? It was an instant approval online so i dont know if it pulled more than one bureua.

Thanks for the peer pressure!!!

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 12 of 35
Mega Contributor

Re: AMEX backdating question


dddfresh wrote:
You dirty dawgs, it was approved!!!! I kept reading these new threads on people getting huge score jumps from getting their amex backdated to their AU dates and I figured 1-3 HP were worth the risk!!
I was approved for the green. The guy from amex said
It wont be backdated but i hopes hes wrong!!!!

Does this mean i can apply for the delta gold credit card and be approved with the same application???? It was an instant approval online so i dont know if it pulled more than one bureua.

Thanks for the peer pressure!!!

CONGRATS!!!!

 

If your going to app I'd do it now, it is purely YMMV with the 1 HP for both situation.




EQ FICO 548 3/3/16
Message 13 of 35
Frequent Contributor

Re: AMEX backdating question

Ok. I'm going for BCE...is the BCP worth the $75 af?

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 14 of 35
Mega Contributor

Re: AMEX backdating question


dddfresh wrote:
Ok. I'm going for BCE...is the BCP worth the $75 af?

Depends on your spending pattern. Are you goign to spend enough to be able to cover the AF and some?




EQ FICO 548 3/3/16
Message 15 of 35
Frequent Contributor

Re: AMEX backdating question

I wasn't approved for BCE :/

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 16 of 35
Frequent Contributor

Re: AMEX backdating question

Dangit. Is recon any good?

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 17 of 35
Mega Contributor

Re: AMEX backdating question


dddfresh wrote:
I wasn't approved for BCE :/

Was it a straight decline or 7-10 day message?




EQ FICO 548 3/3/16
Message 18 of 35
Mega Contributor

Re: AMEX backdating question


dddfresh wrote:
Dangit. Is recon any good?

AMEX is very hard on recon. There must be an inaccuracy on their denial reason(s) to reverse a decision.




EQ FICO 548 3/3/16
Message 19 of 35
Frequent Contributor

Re: AMEX backdating question

It said "we cannot approve your application" in about 45 seconds. This was maybe 30min after the green card acceptance. I'm really hoping for the backdating to my old AU start date. Aye aye aye

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 20 of 35