Credit Card Center Advertiser Disclosure†
08-16-2013 09:36 PM
08-16-2013 09:42 PM
You are correct. If you app in January, you will get open date of 1/2012.
Basically, AMEX reports open date as the month card is opened in and your member year.
Hence, January is unofficially OPEN NEW AMEX month.
My luck, I keep opening them up in Dec. Platinum before I knew any better. Centurion as it was when they invited and accepted.
08-16-2013 09:43 PM - edited 08-16-2013 09:44 PM
wouldnt it backdate to november 2012?
08-16-2013 09:44 PM - edited 08-16-2013 09:45 PM
08-16-2013 09:45 PM
08-16-2013 09:46 PM
08-16-2013 09:46 PM
08-16-2013 10:30 PM
I didn't get the thing about January is unofficially open new month. What does that mean?
What you mean opening in December ?
Open new Amex in January for maximum backdating. Hence people in the know open their AMEXs in January (hence the term unofficial open an AMEX month).
As for the December thing, that was just me bitching that I keep opening AMEXs in December even though I am now in the know.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.