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Amex Backdating

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ArCpa
Contributor

Amex Backdating

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.

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Message 1 of 32
31 REPLIES 31
Open123
Super Contributor

Re: Amex Backdating

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.

Message 2 of 32
ArCpa
Contributor

Re: Amex Backdating

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

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Message 3 of 32
Open123
Super Contributor

Re: Amex Backdating

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.

 

 

Message 4 of 32
ArCpa
Contributor

Re: Amex Backdating

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.

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Message 5 of 32
Crashem
Valued Contributor

Re: Amex Backdating

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

               LIMITS IN CARD DESCRIPTIONS
Message 6 of 32
ArCpa
Contributor

Re: Amex Backdating

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.

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Message 7 of 32
Open123
Super Contributor

Re: Amex Backdating


@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.


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.

Message 8 of 32
ArCpa
Contributor

Re: Amex Backdating

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.

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Message 9 of 32
Crashem
Valued Contributor

Re: Amex Backdating

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

               LIMITS IN CARD DESCRIPTIONS
Message 10 of 32
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