topic Worth applying for an AMEX card today just for the backdating? in Credit Card Applications

Worth applying for an AMEX card today just for the backdating?

Anonymous — Wed, 31 Dec 2014 19:37:57 GMT

I am currently a college student (less than $10k income) with a Discover card ($1000) and as of this month a Sallie Mae Card ($2100) but have been interested in getting an AMEX card (my first one) for backdating purposes.

I was going to apply to the BCE which I received a mail offer for $250 back after $1000, but I forgot about it until it had already expired last week. I have an Everyday mail offer for 25k points after $2000, but I was hesitant to get a points card since I would definitely be unable to meet the 30 swipes per month and I don't travel right now or in the near future.

Is it worth just applying to the Everyday despite this just for the 2014 backdating later or should I just wait for another mail offer for a BCE? Honestly between the Sallie Mae and Discover, the BCE isn't that enticing either, so maybe I should do something else entirely. Any advice on what I should do is appreciated.

Re: Worth applying for an AMEX card today just for the backdating?

Anonymous — Wed, 31 Dec 2014 19:41:10 GMT

It won't matter now. The card won't be active until 2015 and your MSD date will be 2015, not 2014, so you might as well wait

Re: Worth applying for an AMEX card today just for the backdating?

chalupaman — Wed, 31 Dec 2014 19:41:17 GMT

None of the Amex cards I have in my sig I had any prequalified offers for.

With that said, I think you should have at least one Amex card not just for backdating and stuff like that but for the potential to get a high credit limit so it will be easier to get higher limit cards later on. Unfortunately, I heard a lot of people applying now for Amex have been getting 2015 MSDs so if you wanted to have a 2014 MSD, then I'm afraid you're too late there.

Re: Worth applying for an AMEX card today just for the backdating?

taxi818 — Wed, 31 Dec 2014 22:03:48 GMT

@Anonymous wrote:
It won't matter now. The card won't be active until 2015 and your MSD date will be 2015, not 2014, so you might as well wait

Exactly. you already missed the 2014 msd. i guess it stopped on the 21st of this month.

Re: Worth applying for an AMEX card today just for the backdating?

Anonymous — Thu, 01 Jan 2015 00:42:05 GMT

You'll start with a 2015 MSD but you can chat with Amex and they'll fix it for you . They did it for me .

Re: Worth applying for an AMEX card today just for the backdating?

chalupaman — Thu, 01 Jan 2015 00:46:25 GMT

@Anonymous wrote:
You'll start with a 2015 MSD but you can chat with Amex and they'll fix it for you . They did it for me .

That's great to know. I didn't know that so I take back what I said earlier.

Re: Worth applying for an AMEX card today just for the backdating?

TRC_WA — Thu, 01 Jan 2015 00:48:48 GMT

Yeah I will have to try that too.... approved on 12/26 and online account shows MSD 2015.

Re: Worth applying for an AMEX card today just for the backdating?

mitchblue — Thu, 01 Jan 2015 00:50:59 GMT

I wouldn't get a card if it's not 'enticing to you'. I also have several cards, maybe all, that I wasn't prequialified for. Find what best fits your CS and fits your needs..IMO.

Re: Worth applying for an AMEX card today just for the backdating?

chalupaman — Thu, 01 Jan 2015 00:52:22 GMT

@TRC_WA wrote:
Yeah I will have to try that too.... approved on 12/26 and online account shows MSD 2015.

Tell us how it goes. I'd ask the chat first.

Re: Worth applying for an AMEX card today just for the backdating?

Anonymous — Thu, 01 Jan 2015 01:12:30 GMT

Yeah just chat with them through your account. Act like you just noticed the 2015 date and would like your card and account to reflect the correct year . They'll send you a new card and fix the online account .