Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 118
Registered: ‎08-16-2013
0

American Express Backdating Business Account

For American Express backdating I understand that it is no longer common (possible?) to be added as an AU on an account and have your member since date be inherited when that account was opened. I was just wondering if this was just something where it was hard to find a Rep who will do it, or is it something where it is just not possible?

 

My parents have an American Express business account that was opened in 2000, so if they added me as an AU on that card would it be possible to take that member since date if you got a nice enough Rep, or just no? 

AMEX Platinum Gold - NPSL | Citi ThankYou Premiere 20k | NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 5k x 5 (Not sure why I needed 5.... but still....) | Amex Blue Cash Everyday - 21K | Chase Sapphire Preferred - 15K | Ritz Carlton Card - 10k | Chase Freedom Visa Signature - 5k | BECU Visa - 3k |Barclaycard Rewards - 2k | Chase Amazon Rewards - 1k | Discover IT Student - 500 | Chase Slate - 500 | Walmart Store Card - 700 | BBY CitiBank - 1500 | BBY CitiBank -1000

Eq (MyFico) 767 | TU (FICO) 759 | Ex (FAKO): 749
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: American Express Backdating Business Account

Amex backdating is reserved for cardmembers or additional cardmembers with a previous account. If you have never been an ACM on your parents accounts then you were not a member.
Regular Contributor
Posts: 118
Registered: ‎08-16-2013
0

Re: American Express Backdating Business Account

Alright, I thought that might be it. Thanks

AMEX Platinum Gold - NPSL | Citi ThankYou Premiere 20k | NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 5k x 5 (Not sure why I needed 5.... but still....) | Amex Blue Cash Everyday - 21K | Chase Sapphire Preferred - 15K | Ritz Carlton Card - 10k | Chase Freedom Visa Signature - 5k | BECU Visa - 3k |Barclaycard Rewards - 2k | Chase Amazon Rewards - 1k | Discover IT Student - 500 | Chase Slate - 500 | Walmart Store Card - 700 | BBY CitiBank - 1500 | BBY CitiBank -1000

Eq (MyFico) 767 | TU (FICO) 759 | Ex (FAKO): 749
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: American Express Backdating Business Account


surehit wrote:

Alright, I thought that might be it. Thanks


There have been cases otherwise, but it is definitely against policy.  You have additional problem of business member dates not always setting personal member dates.

 

What is your current member date?

               LIMITS IN CARD DESCRIPTIONS
Regular Contributor
Posts: 118
Registered: ‎08-16-2013
0

Re: American Express Backdating Business Account

I just got my Blue Cash Everyday card last year, so my current member since date is 2012. I'm only 19 though, so just starting out with credit. 

AMEX Platinum Gold - NPSL | Citi ThankYou Premiere 20k | NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 5k x 5 (Not sure why I needed 5.... but still....) | Amex Blue Cash Everyday - 21K | Chase Sapphire Preferred - 15K | Ritz Carlton Card - 10k | Chase Freedom Visa Signature - 5k | BECU Visa - 3k |Barclaycard Rewards - 2k | Chase Amazon Rewards - 1k | Discover IT Student - 500 | Chase Slate - 500 | Walmart Store Card - 700 | BBY CitiBank - 1500 | BBY CitiBank -1000

Eq (MyFico) 767 | TU (FICO) 759 | Ex (FAKO): 749
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
0

Re: American Express Backdating Business Account

[ Edited ]

opps no message I am seeing you said AU, is that AU on a corporate account?

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: American Express Backdating Business Account

OP, are you trying to use your parents date of 2000 as your MSD?
Regular Contributor
Posts: 118
Registered: ‎08-16-2013
0

Re: American Express Backdating Business Account

Corrent, that would be my goal. From what you said this is not possible, correct? 

AMEX Platinum Gold - NPSL | Citi ThankYou Premiere 20k | NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 5k x 5 (Not sure why I needed 5.... but still....) | Amex Blue Cash Everyday - 21K | Chase Sapphire Preferred - 15K | Ritz Carlton Card - 10k | Chase Freedom Visa Signature - 5k | BECU Visa - 3k |Barclaycard Rewards - 2k | Chase Amazon Rewards - 1k | Discover IT Student - 500 | Chase Slate - 500 | Walmart Store Card - 700 | BBY CitiBank - 1500 | BBY CitiBank -1000

Eq (MyFico) 767 | TU (FICO) 759 | Ex (FAKO): 749
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: American Express Backdating Business Account

Correct. I think the confusion was whether or not you were referring to your parents business card.
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: American Express Backdating Business Account


surehit wrote:

Corrent, that would be my goal. From what you said this is not possible, correct? 


It is against policy and would be very difficult.  Basically would need to find rep who is senior enough and nice (i.e. lazy) enough to ignore policy which is no longer new.  Here is the problem however.  You would first need to be added as AU to your parents account which would produce a new account on your credit report with a 2013 open date.  You would then have to start the process of finding that magical rep.  If you couldn't or gave up, then you are basically stuck with new AMEX account on credit report with 2013 open date vs any cards you open with a 2012 open date.

 

The whole idea of the change in policy was to prevent silly situations on your credit report like people having AMEXs before they were born or in your case, when you were ten.

               LIMITS IN CARD DESCRIPTIONS

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.