Established Contributor
Posts: 867
Registered: ‎07-04-2012
Welcome to the USA!
Amex backdating procedures are just as you describe them. If you apply in December 2012 and get approved for the card, you are going to be in their system as "member since 2012" . Little perk which then allows you to backdate future approvals in January 2014 to actually show up in your reports as opened in January 2012 (as if you had had that card even before the first one you got). thus, increasing your aaoa significantly.
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

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