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Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
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Re: Lost in Amex country...


drew11 wrote:

creditnocash wrote:

might want to wait for jan though. 

everytime you get a card your aaoa will take a hit. but if you wait for jan. if you get approved all cards will be backdated to jan 2012 giving you an extra year on each card. 

just my 2 cents. 


"All cards will be backdated to jan 2012..."?! I thought, in this case for example, the OP Zync's opening date would stay the same and be in September 2012 while every other card applied for in the future will be the month of the application but with the year of 2012. Therefore by waiting to apply for the card in January instead of this month, the card would say it was actually opened January 2012 (instead of October 2012) and give you an extra 9 months on that specific card (not the Amex cards applied beforehand).

sorry for the misinterpretation. 

i meant all cards he now applys for would be backdated. not the ones he already has. 

but as op posted he does not care about his aaoa. 

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
Valued Contributor
Posts: 2,792
Registered: ‎03-15-2012
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Re: Lost in Amex country...

I go in spurts. Hit a few apps this year, and it won't happen again until I see another "sparkly" down the road.

Regular Contributor
Posts: 122
Registered: ‎06-20-2012
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Re: Lost in Amex country...


creditnocash wrote:

drew11 wrote:

creditnocash wrote:

might want to wait for jan though. 

everytime you get a card your aaoa will take a hit. but if you wait for jan. if you get approved all cards will be backdated to jan 2012 giving you an extra year on each card. 

just my 2 cents. 


"All cards will be backdated to jan 2012..."?! I thought, in this case for example, the OP Zync's opening date would stay the same and be in September 2012 while every other card applied for in the future will be the month of the application but with the year of 2012. Therefore by waiting to apply for the card in January instead of this month, the card would say it was actually opened January 2012 (instead of October 2012) and give you an extra 9 months on that specific card (not the Amex cards applied beforehand).

sorry for the misinterpretation. 

i meant all cards he now applys for would be backdated. not the ones he already has. 

but as op posted he does not care about his aaoa. 


No that's fine I thought I had been misinterpreting it all along for a second! Smiley Very Happy Thanks!

01/04/17 Equifax FICO 788
01/04/17 Experian FICO 789
01/04/17 TransUnion FICO 784

Amex BCP $24,000 | Chase Freedom: $13,000 | Chase SR: $35,000 | Discover IT: $20,000 | PenFed Platinum: $32,000
Established Contributor
Posts: 1,020
Registered: ‎03-16-2012
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Re: Lost in Amex country...

I also got my Zync last month and still not reporting ...... Smiley Frustrated ... I wonder how much longer I need to wait for it to report


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
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Re: Lost in Amex country...


kobe2012 wrote:

I also got my Zync last month and still not reporting ...... Smiley Frustrated ... I wonder how much longer I need to wait for it to report


usually reports a few days after the statement closes. 

 

i got mine sep 5th (apped aug 30th) statement close was the 28th and was on ck around the 6th

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
Highlighted
Established Contributor
Posts: 1,020
Registered: ‎03-16-2012
0 Kudos

Re: Lost in Amex country...


creditnocash wrote:

kobe2012 wrote:

I also got my Zync last month and still not reporting ...... Smiley Frustrated ... I wonder how much longer I need to wait for it to report


usually reports a few days after the statement closes. 

 

i got mine sep 5th (apped aug 30th) statement close was the 28th and was on ck around the 6th


my statement closed sept 24th and still not on my report... maybe the second statement.... I just wanna apply for freedom and I was thinkin maybe I'll have a better shot if AMEX is on my report....


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K

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