cancel
Showing results for 
Search instead for 
Did you mean: 

Amex backdating?

Valued Member

Amex backdating?

I was approved for Amex several months ago. Would someone please explain to me backdating? Thanks.

http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC/
9 REPLIES
Valued Contributor

Re: Amex backdating?

Is this your first Amex? If so, all your future cards will be backdated to the year 2012. The month your next Amex card is approved will be the month that is used. For example, if you get another Amex in Jan 2015 then your CR will show the card was opened 1/2012 instead of 1/2015. That's why people try to app early in year for subsequent cards to maximize AAoA gain.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor

Re: Amex backdating?

Yep, I just got mine backdated to 1993 when the US Gov used them as travel charge cards and issued them to everyone. I'm still waiting for it to report on the CR that way but it is showing up on their website as 1993. I got both my current Amex cards almost 2 months ago, so it's quite a jump.


What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Valued Contributor

Re: Amex backdating?


Cageym wrote:

Yep, I just got mine backdated to 1993 when the US Gov used them as travel charge cards and issued them to everyone. I'm still waiting for it to report on the CR that way but it is showing up on their website as 1993. I got both my current Amex cards almost 2 months ago, so it's quite a jump.


I thought it didn't work for business issued cards? Different for private vs. public sector?

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Established Contributor

Re: Amex backdating?


Jutz wrote:

Cageym wrote:

Yep, I just got mine backdated to 1993 when the US Gov used them as travel charge cards and issued them to everyone. I'm still waiting for it to report on the CR that way but it is showing up on their website as 1993. I got both my current Amex cards almost 2 months ago, so it's quite a jump.


I thought it didn't work for business issued cards? Different for private vs. public sector?


It may be because the Gov cards had OUR name on them and the bills were sent to each individual, not a company name or agency name. I don't know for sure.


What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Valued Contributor

Re: Amex backdating?

Yeah maybe it's the statement going to you. My company charge card also has my name, but I doubt I'd qualify.  I'll ask just the same, yanno, when I can actually get my own AMEX Smiley Happy

 

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor

Re: Amex backdating?

I have 2 questions:

 

1) I have an AMEX Business credit card (SimplyCash) and would like to apply for a BCE early next year. Does backdating work in this case?

2) (Sorry it's a little off topic) I have a 13-year old Cap1 card, and a new Cap1 only 5 months old, what is my chance with Cap1? Did anyone try Cap1 backdating?

 

Thanks

 

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Established Contributor

Re: Amex backdating?


Jutz wrote:

Yeah maybe it's the statement going to you. My company charge card also has my name, but I doubt I'd qualify.  I'll ask just the same, yanno, when I can actually get my own AMEX Smiley Happy

 


It's showing as 1993 on their website when I login, and they say that replacement cards have been ordered. I won't believe it is all the way true until I see it show up on my CR!Smiley LOL


What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Valued Contributor

Re: Amex backdating?

Haha, as with anything FICO

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Highlighted
Established Contributor

Re: Amex backdating?


pt2005 wrote:

I have 2 questions:

 

1) I have an AMEX Business credit card (SimplyCash) and would like to apply for a BCE early next year. Does backdating work in this case?

2) (Sorry it's a little off topic) I have a 13-year old Cap1 card, and a new Cap1 only 5 months old, what is my chance with Cap1? Did anyone try Cap1 backdating?

 

Thanks

 


1. I'm not sure

2. Cap 1 backdate? Probably not, AFAIK Amex only, but as always I'm sure someone that knows more than me will chime in.


What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board