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Amex Backdating ??

Frequent Contributor

Amex Backdating ??

Here is my story.

WIfe applied for Amex BCP JULY 2012 and added me as AU so my card says member since 2012.

One month later I applied for SKY and after logging in mine says member since 1999 (BK in 2004 with AMEX green) I called and they send me new card says 1999 and my Experian says open date 7/1999 for mine and 6/2012 for my AU card.

 

MY question is should I call Amex and  have them make my AU card 1999 ? Does it matter ?

I still have BK on my CR till Sept. 2014

Lots of cards and counting !!
Las Vegas REALTOR
FICO 800ish Shooting for 800+
BCE 20K,ED 10K,Sky 2K, DCVR $6800, Slate 8K, Freedom 5k, Care Credit 10K, Lowes 10K, Cap1 QS $11500, Venture 15K, Paypal 5k Hidden, US Bank Edge Cash Business 20K and NFL $1500 soon to DIE.
Message 1 of 10
9 REPLIES
Frequent Contributor

Re: Amex Backdating ??

Personally, I would not bother.  I don't know exactly how the backdating works (other than I can get my personal account backdated to my corp account) but it seems like your cards reflect what is accurate.. YOUR account is backdated to YOUR original date.. HER account is dated for HER original date. 

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 2 of 10
Valued Contributor

Re: Amex Backdating ??

Let sleeping dogs lie you were very lucky to get the backdate due to the bankruptcy.Smiley Surprised


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Message 3 of 10
Moderator

Re: Amex Backdating ??

Skip it, not worth poking the bear on as annielorie correctly suggests.

 

Unless that BCP is an high limit compared to your aggregate credit limit, the AU is probably hurting more than helping you and I'd get rid of it personally.

 

Edit: I'm just speaking strictly from a FICO perspective, there's other good reasons to be on there as an AU which I'm admitedly utterly ignoring Smiley Happy.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 4 of 10
Established Contributor

Re: Amex Backdating ??

 

Message 5 of 10
Frequent Contributor

Re: Amex Backdating ??

The new Amex BCP started with 10k Limit and it's our primary card for just about anything. 

The reason i'm AU on the card not for FICO scoring just for spending and earning rewards. We do a lot of grocery shopping.

 

I think i'll just leave it alone for now.

Lots of cards and counting !!
Las Vegas REALTOR
FICO 800ish Shooting for 800+
BCE 20K,ED 10K,Sky 2K, DCVR $6800, Slate 8K, Freedom 5k, Care Credit 10K, Lowes 10K, Cap1 QS $11500, Venture 15K, Paypal 5k Hidden, US Bank Edge Cash Business 20K and NFL $1500 soon to DIE.
Message 6 of 10
Established Contributor

Re: Amex Backdating ??

I wondering.....u were approved for amex with bk reporting .........I'm waiting ....I am at the 7.5 mark in December....

Message 7 of 10
Moderator

Re: Amex Backdating ??


DeadSpider wrote:

The new Amex BCP started with 10k Limit and it's our primary card for just about anything. 

The reason i'm AU on the card not for FICO scoring just for spending and earning rewards. We do a lot of grocery shopping.

 

I think i'll just leave it alone for now.


Yeah, that's the primary legit reason I was ignoring hah.  Good call.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 8 of 10
Established Contributor

Re: Amex Backdating ??

Did u get approved for the sky?????

Message 9 of 10
Frequent Contributor

Re: Amex Backdating ??

Wife got Amex and after getting the card I created online account added myself and got a card.

One month later maybe little more I applied for SKY card with BK still reporting got approved for $2000, and after creating online account showed MEMBER SINCE 1999.

 

So I gave Amex call and after the rep answered ( thank you for being a member for long time ) I told her my card has the wrong date and was transferred to somebody else issued new card and got it in about 10 days.

 

I'm not sure being on AU helped ? My 61 days is approaching. 

Lots of cards and counting !!
Las Vegas REALTOR
FICO 800ish Shooting for 800+
BCE 20K,ED 10K,Sky 2K, DCVR $6800, Slate 8K, Freedom 5k, Care Credit 10K, Lowes 10K, Cap1 QS $11500, Venture 15K, Paypal 5k Hidden, US Bank Edge Cash Business 20K and NFL $1500 soon to DIE.
Message 10 of 10