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Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

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 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Burned2manybridgesB4
Posts: 1,405
Registered: ‎03-15-2012

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
drew11
Posts: 121
Registered: ‎06-20-2012

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! :smileyvery-happy: Thanks!
06/16/13 Equifax FICO 733
06/16/13 Experian FICO 745
06/16/13 TransUnion FICO 740

PenFed Platinum: $1000 | Chase Freedom: $5500 | Discover IT: $1500 | Amex BCP $17,600 | Chase CSP: $8000 | Chase Hyatt: $5000
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Re: Lost in Amex country...

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


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Lost in Amex country...


kobe2012 wrote:

I also got my Zync last month and still not reporting ...... :smileyfrustrated: ... 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 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Re: Lost in Amex country...


creditnocash wrote:

kobe2012 wrote:

I also got my Zync last month and still not reporting ...... :smileyfrustrated: ... 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: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk




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