@SunriseEarth wrote:
@chalupaman wrote:
How would this impact my AAoA if I were to go for both the BCE and the PRG in January as opposed to just applying and getting approved for the BCE? Has anyone here ever tried getting two backdated cards the same month?
This is a math question! As for the answer, it depends on the MSD of your AMEX. If the MSD would make the card "older" than your current AAoA, then adding two cards instead of one card would increase the AAoA more. As for how much more, that depends on how many accounts you have and what the ages are. The difference could be negligible in some models.
My first Amex was opened up back in June but my first credit card that I was able to get was back in September of 2013. My AAoA right now is around 6 months.
Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500
Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
