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AMEX backdating

Frequent Contributor

AMEX backdating

What are the rules/conditions/dates for backdating named accounts?

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Established Contributor

Re: AMEX backdating


fittiger wrote:

What are the rules/conditions/dates for backdating named accounts?


Someone could spend an hour answering that question.  Try using the search bar.  For example:

 

http://ficoforums.myfico.com/t5/Credit-Cards/Amex-and-Backdating/m-p/1124167#M313576

   
FICO Scores 800+
Message 2 of 3
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Valued Contributor

Re: AMEX backdating


fittiger wrote:

What are the rules/conditions/dates for backdating named accounts?


The short answer is that AMEX backdates to the oldest YEAR that they find in their database for a customer, based on any prior accounts with AMEX.  The MONTH is based on the month in which one applies for a new card.  If they find an old account, they will use that old account year. 

EX = 849 EQ = 850 TU = 850 as of 07/2017
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