Re: AMEX latest day to apply to get 2012 member date
10-12-2012 11:37 AM
When I applied for the Zync i had to call in for the address verification they often do. The rep was super-polite and accommodating in every way. I would highly recommend calling them whether you are instantly approved, get the 7-10days message, or whatever. And on the call, specifically say you were wondering if your member since date could reflect 2012. It'll be less of a crapshoot if you can get a human being on your side.
Otherwise, I do think you would be cutting it close. If I recall correctly, my card was postmarked about 7 days after my application to them, but around the holidays that timeframe would be likely to lengthen.
Still, it was kind of funny to me at the time because I got my original Zync card, called them and had them backdate me to my prior AmEx card, then requested a new card and received that, all after I had requested the Cash Rewards product change from BoA but before I received the new BoA card. Compared to AmEx, BoA is glacial.
Current: EQ 686 (myFICO 7/14/14), EX 694 (Prosper 7/17/14) , TU 691 (WalMart 7/11/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Barclaycard Apple V $2k, Walmart (Store) $1.6k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
My Loans: Prosper $25k/36mo