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Interesting question...wish someone had an answer would be good to know...
Amex doesn't do this anymore. No backdating period.
Honestly it was kind of sketchy and didn't really make sense for them to do it. Either way backdating doesn't exist anymore.
It was the best perk ever. Too bad is over.
@Anonymous wrote:
It wasn't sketchy. It was awesome.
No sketchy for us of course! I mean for the lender