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Valued Member
Chadsnana
Posts: 26
Registered: ‎04-12-2007

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/
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

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

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Established Contributor
Cageym
Posts: 507
Registered: ‎07-31-2012

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 $10K NFCU Sig Visa $25k Amex Zync NPSL Delta Gold $18k BCE $2k Citi Simplicity $5450 Priority Select Visa 5.9K Amazon Visa 4k CSP 5k
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
Jutz
Posts: 1,216
Registered: ‎05-10-2012

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 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
Cageym
Posts: 507
Registered: ‎07-31-2012

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 $10K NFCU Sig Visa $25k Amex Zync NPSL Delta Gold $18k BCE $2k Citi Simplicity $5450 Priority Select Visa 5.9K Amazon Visa 4k CSP 5k
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
Jutz
Posts: 1,216
Registered: ‎05-10-2012

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 :smileyhappy:

 

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
pt2005
Posts: 129
Registered: ‎10-12-2012

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: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300
Established Contributor
Cageym
Posts: 507
Registered: ‎07-31-2012

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 :smileyhappy:

 


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!:smileylol:


What's in my wallet: Cap1 Venture $10K NFCU Sig Visa $25k Amex Zync NPSL Delta Gold $18k BCE $2k Citi Simplicity $5450 Priority Select Visa 5.9K Amazon Visa 4k CSP 5k
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
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: Amex backdating?

Haha, as with anything FICO

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
Cageym
Posts: 507
Registered: ‎07-31-2012

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 $10K NFCU Sig Visa $25k Amex Zync NPSL Delta Gold $18k BCE $2k Citi Simplicity $5450 Priority Select Visa 5.9K Amazon Visa 4k CSP 5k
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

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