Credit Cards

[b71913]

I have had severa differentl Amex Charge cards since 1998, 3 months ago I applied and was approved for the BCE . The date on the card says member since 1998. But today i was checking my fico reports , and its states account open 2012. I called and spoke to a supervisor and they told me they could not backdate this account since it was a revolver and not a charge account. Is that the correct answer to my question or not.

[Open123]

No, backdating has nothing to do with charge or credit.

PS - They've definitely become much more strict on backdating.  I've seen recently many who were refused backdating, especially on AU cards.

[b71913]

Thanks for your response, guess I just used it and let it grow.

[Open123]

I don't understand why your fico would report 2012 when your card reads 1998.  Amex usually reports the TL with the member since date automatically.

[b71913]

Thats the reason I called  Csr, spoke with two csr and finally a supervisor. He stated the reason the card showed member since 1998, is because thats when I became a member . My charge card is reporting correct , just not this new account.

[Crashem]

Call again.  That isn't right unless policy has changed again.  But it makes no sense.  A lot of mixup with policy.   Keep trying.

[b71913]

Thanks Crashem, I will later this week..  Another thing that was funny when i got transfered to the Supervisor, she stated the call was being recorded that was a first for me.

[Open123]

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b71913 wrote:

Thanks Crashem, I will later this week..  Another thing that was funny when i got transfered to the Supervisor, she stated the call was being recorded that was a first for me.

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All of Amex's call these days are recorded.

Crashem is right.  It doesn't make sense, unless there's another policy change where a charge can only be backdated for a charge, and a credit for a credit.

[b71913]

Yall both might be right, im just saying what i was told . I will call back in a few days and see what they tell me.

[Crashem]

Don't argue too much.  Just call back and try again.