Amex MSD Gratitude !

[Gunnar419]

Congrats, OP! That's one very fine backdate.

[Anonymous]

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@ccb2115 wrote:

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@Anonymous wrote:

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@ccb2115 wrote:

Congrats!!!

Quick question for those who have had accounts backdated after the fact. All my accounts have been backdated to 2005, but I was able update that MSD to 99 after realizing I was an AU while in college. I know all cards going forward will be backdated to 99, but what about the 3 cards I've had for several years? 

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If you ask, they will also backdate existing cards.

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On credit reports as well? 

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Yep. They report whatever date appears when you log in to your account. Might take a cycle or two after the change.

[onstar]

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@Anonymous wrote:

Yep. They report whatever date appears when you log in to your account. Might take a cycle or two after the change.

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My AAoA went from over 10 years to around 8 years over the past 12 months following 4 newly opened credit cards last year.

In the past month, I got 5 new credit cards, so I know that my AAoA will drop some more based on that.

However, I got both of my Amex MSD fixed to 1995 (was 2014), so my AAoA should stay right around 8 years.

Like OP, I wouldn't have known to do this had it not been for this forum. So thanks everyone.

[takeshi74]

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@Anonymous wrote:

But how does it matter?... your credit report would still show the new Amex card to be your latest opening date - changing to 35 years ago does not change your AAoA; or does it? OR is this just for bragging rights?

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If backdating didn't impact AAoA it wouldn't be considered the benefit that many consider it to be.  Backdating's a fairly common topic here so don't overlook prior discussions as well.