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Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

?? About Amex backdating??

Not sure what is going on.....I was approved for amex this month...logged on to my account today ....said I  have been a member since 1996.......wowwowowowow......my cards that they sent me intially say  2012.....

 

which is correct.....?????  I was a AU back in 1996 on my girlfriend at the time account

If this is true ....will help my AAoa a great deal..

 

Any ideas??


Established Contributor
bettercreditguy1
Posts: 751
Registered: ‎02-11-2012
0

Re: ?? About Amex backdating??

Your card shows the date it was issued, your credit report for AAOA and longevity will be the date you were a member earlier. AMEX quit putting the earlier date on the re issued/new credit cards about two years ago. I called them about the same issue after I closed my Amex card after 25 years and re opened it two years later.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: ?? About Amex backdating??

Congrats, it will definitely help your AAoA!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
0

Re: ?? About Amex backdating??

I'm not entirely sure what bettercreditguy is saying but if we are talking about the same thing then I have to disagree.

I had an Amex green back in 1993 and hadn't had one basically since then. In September I finally get back in with Amex and my cards had member since 2012 on them. After calling CSR they backdated my cards to 1993 and my online account reflected as much.

CSR asked me if I wanted new cards issues with my backdated member since date and I told her sure. A couple days later I got my replacement cards and they have 1993 on them. My credit report also has 1993.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
Cageym
Posts: 507
Registered: ‎07-31-2012
0

Re: ?? About Amex backdating??

I agree with Duncanrr, I opened my present accounts in 2012 and they sent me new cards with 1993 on them reflecting the original long closed green card.

What's in my wallet: Cap1 Venture $10K NFCU Sig Visa $25k Amex Zync NPSL Delta Gold $18k BCE $2k Citi Simplicity $5450 Priority Select Visa 5.9K Amazon Visa 4k CSP 5k
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: ?? About Amex backdating??

should I call them and get them to change it or should I not do anything with it??


Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: ?? About Amex backdating??

should I see a score jump.........Hopefully it will offset my app spree..applied for 6 new cards approved for all of them


Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
0

Re: ?? About Amex backdating??

Call them. My app sprees include applying for Amex cards as part of strategy to keep AAoA over 10 years. For every non-Amex new card I try to app for an Amex card to go with it. Since my Amex gets me 20 yrs of backdating it lets me add new accounts without taking a hit.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: ?? About Amex backdating??


Duncanrr wrote:
Call them. My app sprees include applying for Amex cards as part of strategy to keep AAoA over 10 years. For every non-Amex new card I try to app for an Amex card to go with it. Since my Amex gets me 20 yrs of backdating it lets me add new accounts without taking a hit.

sort of not wanting to rock the boat i would sure like a card dated back then though


Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: ?? About Amex backdating??

so will I get the backdating for each account I opened???/ its on all 3 online



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