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Established Contributor
NJTurnpike
Posts: 662
Registered: ‎02-20-2013
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Another AMEX Thread

So I call AMEX to temporarily suspend my account because I can't remember if I left my card in my other coat or if I lost it. CSR says they would have to cancel the card and re-issue a new one. So I decide to chance financial ruin and wait out the 4 hours until I get home to check my coat instead. In the meantime, the CSR was nice enough to pull up my account and alert to a 12 year old open AMEX account that I had when I was still a credit moron. Said I have an open balance of just under $400 that needs to be cleared up.

 

At first I think, damn this sucks! I don't want to pay such an old debt. I could use that $400 on booze and women. Then a light bulb goes off (in my head, not in my office) and I realize that I could get them to backdate my new account making it a 13 year old account. Hello magic land of big-time AAoA's! The CSR says that once I clear up the account, I can have my current account backdated. Of course, having learned my lessons from the temple of myFico, I never used the word backdating, opting for the more politically and socially correct term of "altering my Member Since Date".

 

I promptly schedule a payment for the old account, and the CSR rep says that once the payment clears, they will re-issue my current card with the new member since date.

 

X X OO AMEX XX OO :smileyvery-happy:


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Regular Contributor
SE7EN57
Posts: 177
Registered: ‎12-08-2012
0

Re: Another AMEX Thread

Nice initiative to pay off that old debt and bump your AAoA at the same time!

 photo d132202e-50dc-4d73-9df2-1f138f451209_zps8ca7acb4.jpg
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Another AMEX Thread

Very cool ! Sounds like a win~win proposition.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Another AMEX Thread

WOW! 

 

can they find me an old 400$ bill? 
ill gladly pay that to backdate too 2000. (i was 9 LOL)

 

 

well lets hope this pans out. 

Current: Discover Fico 689 9/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


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Senior Contributor
drkaje
Posts: 3,492
Registered: ‎07-25-2008
0

Re: Another AMEX Thread

I just got a text from Booze and Women: They ain't happy. :smileyhappy:


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Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
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Re: Another AMEX Thread


NJTurnpike wrote:

So I call AMEX to temporarily suspend my account because I can't remember if I left my card in my other coat or if I lost it. CSR says they would have to cancel the card and re-issue a new one. So I decide to chance financial ruin and wait out the 4 hours until I get home to check my coat instead. In the meantime, the CSR was nice enough to pull up my account and alert to a 12 year old open AMEX account that I had when I was still a credit moron. Said I have an open balance of just under $400 that needs to be cleared up.

 

At first I think, damn this sucks! I don't want to pay such an old debt. I could use that $400 on booze and women. Then a light bulb goes off (in my head, not in my office) and I realize that I could get them to backdate my new account making it a 13 year old account. Hello magic land of big-time AAoA's! The CSR says that once I clear up the account, I can have my current account backdated. Of course, having learned my lessons from the temple of myFico, I never used the word backdating, opting for the more politically and socially correct term of "altering my Member Since Date".

 

I promptly schedule a payment for the old account, and the CSR rep says that once the payment clears, they will re-issue my current card with the new member since date.

 

X X OO AMEX XX OO :smileyvery-happy:


You're a great writer - and good luck with the account!


In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Moderator
09Lexie
Posts: 25,890
Registered: ‎09-13-2012
0

Re: Another AMEX Thread


NJTurnpike wrote:

So I call AMEX to temporarily suspend my account because I can't remember if I left my card in my other coat or if I lost it. CSR says they would have to cancel the card and re-issue a new one. So I decide to chance financial ruin and wait out the 4 hours until I get home to check my coat instead. In the meantime, the CSR was nice enough to pull up my account and alert to a 12 year old open AMEX account that I had when I was still a credit moron. Said I have an open balance of just under $400 that needs to be cleared up.

 

At first I think, damn this sucks! I don't want to pay such an old debt. I could use that $400 on booze and women. Then a light bulb goes off (in my head, not in my office) and I realize that I could get them to backdate my new account making it a 13 year old account. Hello magic land of big-time AAoA's! The CSR says that once I clear up the account, I can have my current account backdated. Of course, having learned my lessons from the temple of myFico, I never used the word backdating, opting for the more politically and socially correct term of "altering my Member Since Date".

 

I promptly schedule a payment for the old account, and the CSR rep says that once the payment clears, they will re-issue my current card with the new member since date.

 

X X OO AMEX XX OO :smileyvery-happy:


I don't know why but I can clearly visualize the light bulb, booze and women. :smileyvery-happy:

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Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
0

Re: Another AMEX Thread

$400 well spent

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Established Contributor
NJTurnpike
Posts: 662
Registered: ‎02-20-2013
0

Re: Another AMEX Thread

Update: So since today is pay day, I called American Express to pay the outstanding $400 bill. After talking with Research and Recovery again, they said that the account had been settled back in 2006 and I was under no obligation to repay any remaining balance. In addition, leaving that outstanding balance alone would not affect my current or future accounts at all.

 

That said, she was more than happy to update my member since date to reflect my 2000 account.

 

My 1 month old account is now 13 years old. Great way to start the day.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14

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