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Amex Backdating

Established Contributor

Amex Backdating

Got my Zinc 08/12

... so if i wait to get BCE say 1/13...will my accounts backdate to 1/12?? Is this how it works?? or does it backdate to 08/12?

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 1 of 11
10 REPLIES
Valued Contributor

Re: Amex Backdating

I want to know how AMEX backdating work as well. Thanks for your post.

 

BUMP

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 2 of 11
Valued Contributor

Re: Amex Backdating

Does anyone know how this works?

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 3 of 11
Frequent Contributor

Re: Amex Backdating

The answer is YES.

Your new card will report older than your old card.

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 4 of 11
Established Contributor

Re: Amex Backdating

If you apply in January 2013 and your member since date is 2012, then you wilkl get backdated to 01/2012, making the new card even older than your first amex.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 5 of 11
Established Contributor

Re: Amex Backdating

Thanks I will defenitely wait till then.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 6 of 11
Valued Contributor

Re: Amex Backdating


CruzImperial wrote:

If you apply in January 2013 and your member since date is 2012, then you wilkl get backdated to 01/2012, making the new card even older than your first amex.


+1

 

it doesn't matter what year you apply in but the advantage is to apply in January since you get the full year of backdating. 

so say you cancel your zync and don't apply for another amex until Jan 2062, the theory is that it will read member since jan 2012 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 7 of 11
Frequent Contributor

Re: Amex Backdating

Man your making me feel old at 2062 LOL.

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 8 of 11
Valued Contributor

Re: Amex Backdating


creditnocash wrote:

CruzImperial wrote:

If you apply in January 2013 and your member since date is 2012, then you wilkl get backdated to 01/2012, making the new card even older than your first amex.


+1

 

it doesn't matter what year you apply in but the advantage is to apply in January since you get the full year of backdating. 

so say you cancel your zync and don't apply for another amex until Jan 2062, the theory is that it will read member since jan 2012 


Does the first account need to be closed for this to work?

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 9 of 11
Valued Contributor

Re: Amex Backdating


Dustink wrote:

creditnocash wrote:

CruzImperial wrote:

If you apply in January 2013 and your member since date is 2012, then you wilkl get backdated to 01/2012, making the new card even older than your first amex.


+1

 

it doesn't matter what year you apply in but the advantage is to apply in January since you get the full year of backdating. 

so say you cancel your zync and don't apply for another amex until Jan 2062, the theory is that it will read member since jan 2012 


Does the first account need to be closed for this to work?

 


no it doesn't need to be closed. im just saying that if you did. pay 25af for 50 years lol 

 

and @ dead spider. 

ill be 71 at least my aaoa wont be older then me.

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 10 of 11