Amex Backdating?

[yudeology101]

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@wHiTeSoL wrote:

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@yudeology101 wrote:

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@wHiTeSoL wrote:

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@yudeology101 wrote:

Lexie,

Question:  Why is January considered to be the best time to app for AMEX for backdating purposes?  I've never got the full understanding of it.

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This is how it works

1st AMEX - Reports as month/year of issuence. (lets say 8/2013 for instance)

2nd Amex and on - month opened/original year of first amex (opened in jan will be 1/13. opened in april would be 4/13)

So Jan is best because every amex you open will report as opened January of the first year you got an amex,

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Got it...so i got my 1st AMEX cards in November of 2013 (11/13), and if I were to app for my 3rd AMEX card in January 2015, it'll be backdated to 1/13?

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yes sir! But if it slipped to feb for approval it would be 2/13

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Wow, thanks WhiteSol!!!  I love AMEX hehe

[Burned2manybridgesB4]

If anyone ever really takes a close look at their CRs directly from the CRAs, the amex backdating thing looks great on Eq, but as far as Ex, and Tu, a manual U/W will spot it a mile away.

[enharu]

Think its as obvious on EQ as well. The payment histories and account status are all left as blank when the account info is expanded.

[Burned2manybridgesB4]

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@enharu wrote:
Think its as obvious on EQ as well. The payment histories and account status are all left as blank when the account info is expanded.

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At least Eq fills in the green blocks....

[newmomnewme]

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@wHiTeSoL wrote:

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@yudeology101 wrote:

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@wHiTeSoL wrote:

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@yudeology101 wrote:

Lexie,

Question:  Why is January considered to be the best time to app for AMEX for backdating purposes?  I've never got the full understanding of it.

---

This is how it works

1st AMEX - Reports as month/year of issuence. (lets say 8/2013 for instance)

2nd Amex and on - month opened/original year of first amex (opened in jan will be 1/13. opened in april would be 4/13)

So Jan is best because every amex you open will report as opened January of the first year you got an amex,

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Got it...so i got my 1st AMEX cards in November of 2013 (11/13), and if I were to app for my 3rd AMEX card in January 2015, it'll be backdated to 1/13?

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yes sir! But if it slipped to feb for approval it would be 2/13

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Mine slipped to Feb. 2014....so you only need to apply in december if its your first Amex?  This way you get max year backdating!  We are all over it. 

[pokerpro]

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@09Lexie wrote:

First, don't use backdating, use MSD. You can check by looking at your online profile. 

Once you lock in your MSD (Member Since Date) the year of subsequent cc's will reflect your MSD.  Additional cc's*, will reflect the month of THAT card and the year of your MSD.  

If you are a primary cardholder, your CR's will be backdated as well.  Amex recently changed their policy to exclude the CR backdating for ACMs - when you become a primary, your CR's would be backdated for YOUR new cc. 

*personal cards - business cards it's a YMMV 

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I have a MSD of 2008 on my wife's amex. but as an AU

Are you saying if I get my own card, I will not be backdated to 2008

thanks

[wHiTeSoL]

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@pokerpro wrote:

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@09Lexie wrote:

First, don't use backdating, use MSD. You can check by looking at your online profile. 

Once you lock in your MSD (Member Since Date) the year of subsequent cc's will reflect your MSD.  Additional cc's*, will reflect the month of THAT card and the year of your MSD.  

If you are a primary cardholder, your CR's will be backdated as well.  Amex recently changed their policy to exclude the CR backdating for ACMs - when you become a primary, your CR's would be backdated for YOUR new cc. 

*personal cards - business cards it's a YMMV 

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I have a MSD of 2008 on my wife's amex. but as an AU

Are you saying if I get my own card, I will not be backdated to 2008

thanks

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log into your americanexpress online account, if the top left says "member since 2008" then you will get backdated. Your msd was set the year you became an AU.

[09Lexie]

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@pokerpro wrote:

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@09Lexie wrote:

First, don't use backdating, use MSD. You can check by looking at your online profile. 

Once you lock in your MSD (Member Since Date) the year of subsequent cc's will reflect your MSD.  Additional cc's*, will reflect the month of THAT card and the year of your MSD.  

If you are a primary cardholder, your CR's will be backdated as well.  Amex recently changed their policy to exclude the CR backdating for ACMs - when you become a primary, your CR's would be backdated for YOUR new cc. 

*personal cards - business cards it's a YMMV 

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I have a MSD of 2008 on my wife's amex. but as an AU

Are you saying if I get my own card, I will not be backdated to 2008

thanks

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Your MSD will reflect 2008 as well as on your CRs as long as you are the primary on the new card.  If you are the ACM on the new card, your MSD will say 2008 but it will not say that on your CRs. 

[CreditRookie22]

So your saying that if I open my first amex this year and add my dw as an au, then next year she opens her own amex, it won't be backdated on her cr??