So I stand corrected. I thought the backdating meant that the membership portion would be backdated, not the line of credit, but I was wrong! Not only was I wrong, I was pleasantly surprised to see it. The weird part is the backdating is even further back than my original credit card account! It is backdated to my Debit card account. I got my debit card from them in March of last year and my credit card in May. When I pulled my report today it said March, so I won't complain about that! The other Amex I have says May. I hope this will boost my AAoA enough so that I can maybe get that Sallae Mae card and Citi Dividend card a little sooner. (Still thinking next year though!)
So thanks Amex!
You know what this means for others? It means that if you don't think you can qualify for an Amex now, get the Debit card. Get the history with them and you too might benefit like I did when you do qualify for a card with them. Funny thing is I have never used the Debit card and the money is just sitting there. I opened it because I had read here that if you had a debit card with them it could become easier to get a credit card with them. I don't know if it is true or not, I might have still qualified for the credit card, but it certainly is helping with the new card. I guess next year I will have to open another card with them and boost my AAoA even further.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
