Contributor
ArCpa
Posts: 103
Registered: ‎05-17-2009
Amex Backdating
[ Edited ]

I have had severa differentl Amex Charge cards since 1998, 3 months ago I applied and was approved for the BCE . The date on the card says member since 1998. But today i was checking my fico reports , and its states account open 2012. I called and spoke to a supervisor and they told me they could not backdate this account since it was a revolver and not a charge account. Is that the correct answer to my question or not.

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Senior Contributor
Open123
Posts: 4,219
Registered: ‎02-23-2011
Re: Amex Backdating
[ Edited ]

No, backdating has nothing to do with charge or credit.

 

PS - They've definitely become much more strict on backdating.  I've seen recently many who were refused backdating, especially on AU cards.

Contributor
ArCpa
Posts: 103
Registered: ‎05-17-2009
Re: Amex Backdating

Thanks for your response, guess I just used it and let it grow.

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Senior Contributor
Open123
Posts: 4,219
Registered: ‎02-23-2011
Re: Amex Backdating

I don't understand why your fico would report 2012 when your card reads 1998.  Amex usually reports the TL with the member since date automatically.

 

 

Contributor
ArCpa
Posts: 103
Registered: ‎05-17-2009
Re: Amex Backdating

Thats the reason I called  Csr, spoke with two csr and finally a supervisor. He stated the reason the card showed member since 1998, is because thats when I became a member . My charge card is reporting correct , just not this new account.

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Valued Contributor
Crashem
Posts: 3,096
Registered: ‎01-26-2012
Re: Amex Backdating

Call again.  That isn't right unless policy has changed again.  But it makes no sense.  A lot of mixup with policy.   Keep trying.

               LIMITS IN CARD DESCRIPTIONS
Contributor
ArCpa
Posts: 103
Registered: ‎05-17-2009
Re: Amex Backdating

Thanks Crashem, I will later this week..  Another thing that was funny when i got transfered to the Supervisor, she stated the call was being recorded that was a first for me.

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Senior Contributor
Open123
Posts: 4,219
Registered: ‎02-23-2011
Re: Amex Backdating

b71913 wrote:

Thanks Crashem, I will later this week..  Another thing that was funny when i got transfered to the Supervisor, she stated the call was being recorded that was a first for me.


All of Amex's call these days are recorded.

 

Crashem is right.  It doesn't make sense, unless there's another policy change where a charge can only be backdated for a charge, and a credit for a credit.

Contributor
ArCpa
Posts: 103
Registered: ‎05-17-2009
Re: Amex Backdating

Yall both might be right, im just saying what i was told . I will call back in a few days and see what they tell me.

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Valued Contributor
Crashem
Posts: 3,096
Registered: ‎01-26-2012
Re: Amex Backdating

Don't argue too much.  Just call back and try again.

               LIMITS IN CARD DESCRIPTIONS