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

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 Smiley Very 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
Posts: 180
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!

Amex BCP 12,500 - Amazon Chase Signature 10,000 - Discover It 9,000 - Walmart MC 7,500 - Citi Diamond 6,100 - Lowe's 6,000 - Fulton 6,000 - Amazon Store Card 2,000
Super Contributor
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
Posts: 2,284
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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0

Re: Another AMEX Thread

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


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,603
Registered: ‎09-15-2012
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 Smiley Very Happy


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


In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
Moderator
Posts: 27,207
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 Smiley Very Happy


I don't know why but I can clearly visualize the light bulb, booze and women. Smiley Very Happy

Community Leader
Senior Contributor
Posts: 27,327
Registered: ‎02-07-2013
0

Re: Another AMEX Thread

$400 well spent

+ Chase ink =




Established Contributor
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
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.