Reply
Regular Contributor
Posts: 148
Registered: ‎05-21-2010
0

Amex backdate question

I recently was approved for the BCP. I added my wife as an account manager with full access and requested an additional card for her. She has been a gold card member since 2010. We just received her card in the mail and the member date states member since 2014. Is this correct? Should it back date to her original membership number or at least to mines (2013)? Any help is appreciated

Valued Member
Posts: 44
Registered: ‎03-18-2013
0

Re: Amex backdate question

AU accounts no longer backdate. They get the date you were added as an AU.

Aug 2012 TU/EQ/EX 500's (zero positive credit, one 6 year old CO for $1100) Rebuild->Cap 1 secured $200->TU 610 EQ/EX 640, Shell $500 (cli) $750, Macy's $500, Bloomie's $500 ->(cli $1.2K), Victorias' Secret $750->(cli 1K) (level 2 moves) NFCU Visa Signature $15K/$20K, USAA $4K, Amex Blue $9K/$37K, Amex Costco $10.5K Penfed Visa $2.5K, OCCU Beaver $20K, Amex SP Gold(no limit), Chase PRG 26K ~ MyFico TU775 EQ789 EX766 / $0-$200,000 CL in just 18 months.
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Amex backdate question


unlucky_hove wrote:

I recently was approved for the BCP. I added my wife as an account manager with full access and requested an additional card for her. She has been a gold card member since 2010. We just received her card in the mail and the member date states member since 2014. Is this correct? Should it back date to her original membership number or at least to mines (2013)? Any help is appreciated


Call Amex and let them know her MSD is incorrect.  It's the rush to get cards out when MSD are printed incorrectly. They will tell you they will not issue a replacement card until 10 days has lapsed from the first card. 

 

Keep in mind, since shes an ACM only, her CR's will not backdate. 

Highlighted
Regular Contributor
Posts: 148
Registered: ‎05-21-2010
0

Re: Amex backdate question

[ Edited ]

studiogeek wrote:

AU accounts no longer backdate. They get the date you were added as an AU.


 

I understand that, but being that she was an original member that concept still applies for her account only? I guess it's an excercise in futility since I just received the card and there is no payment history to back date anyway

 

edit: just got off the phone with Amex. They are going to correct all of our cards to 2010 because I was added as an account manager with full access to her original account. They will reissue new cards and he says it will reflect this on my credit report also (gold card only). 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.