Established Contributor
Posts: 637
Registered: ‎07-24-2012
Re: AMEX latest day to apply to get 2012 member date

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.

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
My Loans: Prosper $25k/36mo, Prosper $17k/36mo
My Business: Chase Ink VS $5k, Amex BRG NPSL (> 10k),