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Did a seach here and really could not find a clear answer.
If I apply for and get an Amex charge card and manage to get it backdated ( I had one from 1986-2003, closed in good standing) will it show on my reports negatively as "getting new credit"??? I ask this because of the positive phrase we see on our reports "you have not applied for or gotten any new credit in the last........months"
Is a backdated Amex card seen as "new credit" or not because of the backdate???
If it does report as "new credit" does this negative outweigh the positive of increased AAofA??? I only have 5 accounts showing so 25 years of history would help my AAofA a lot.
Provided it does backdate it won't report as new credit. I opened three new Amex accounts in June and they were all report as opened in 1984. My AAoA as well as my score did increase as a result.
Do you have to provide the account number or did they have you on record ?
I know this post is old... But I need more answers ...