topic Re: Another AMEX MSD AU question with a twist in Credit Cards

Another AMEX MSD AU question with a twist

Anonymous — Sat, 10 Jan 2015 16:10:50 GMT

I have two cards of my own that are reporting correctly as being opened in 1989. My DGF just acquired her first AMEX (other than being an AU on my accounts since 12/14). She put me on her card as an AU so that I could help with the minimum spend requirement. My AU card just reported and is being shown as opened since 12/14. My question is whether it should reflect 11/89 instead as that's when I became a member or is the 12/14 correct because I'm just an AU on that card? Hope that made sense

Re: Another AMEX MSD AU question with a twist

CreditCuriosity — Sat, 10 Jan 2015 16:17:00 GMT

Removed stepping out of this slippery slope

Re: Another AMEX MSD AU question with a twist

coldnmn — Sat, 10 Jan 2015 16:14:58 GMT

That is a question I have never read before. If you call AMEX and ask please update.

Re: Another AMEX MSD AU question with a twist

Anonymous — Sat, 10 Jan 2015 16:15:36 GMT

@Anonymous wrote:
I have two cards of my own that are reporting correctly as being opened in 1989. My DGF just acquired her first AMEX (other than being an AU on my accounts since 12/14). She put me on her card as an AU so that I could help with the minimum spend requirement. My AU card just reported and is being shown as opened since 12/14. My question is whether it should reflect 11/89 instead as that's when I became a member or is the 12/14 correct because I'm just an AU on that card? Hope that made sense

Currently, new cards that you are an AU on do not backdate. New cards where you are the basic member will, to the date of your first (basic or au) Amex.

So I think that is the confusion. AU cards ccount for the backdate target, but new AU cards don't get backdated

Re: Another AMEX MSD AU question with a twist

CreditCuriosity — Sat, 10 Jan 2015 16:16:38 GMT

@Anonymous wrote:
@Anonymous wrote:
I have two cards of my own that are reporting correctly as being opened in 1989. My DGF just acquired her first AMEX (other than being an AU on my accounts since 12/14). She put me on her card as an AU so that I could help with the minimum spend requirement. My AU card just reported and is being shown as opened since 12/14. My question is whether it should reflect 11/89 instead as that's when I became a member or is the 12/14 correct because I'm just an AU on that card? Hope that made sense
Currently, new cards that you are an AU on do not backdate. New cards where you are the basic member will, to the date of your first (basic or au) Amex.
So I think that is the confusion. AU cards ccount for the backdate target, but new AU cards don't get backdated

LOL this again.. I will let LTL explain as he did a great job last time and step aside

Re: Another AMEX MSD AU question with a twist

Anonymous — Sat, 10 Jan 2015 16:19:45 GMT

@coldnmn wrote:
That is a question I have never read before. If you call AMEX and ask please update.

I tried the other day on chat but the CSR was a bit on the confused side. He kept telling me my account showed my MSD as 11/89 and so did the card. I explained to him great but my card showed 12/14 and I was concerned that the card would report that date instead of 11/89. Of course it did so I guess I'll have to check again with them.

Re: Another AMEX MSD AU question with a twist

CreditCuriosity — Sat, 10 Jan 2015 16:21:44 GMT

@Anonymous wrote:
@coldnmn wrote:
That is a question I have never read before. If you call AMEX and ask please update.
I tried the other day on chat but the CSR was a bit on the confused side. He kept telling me my account showed my MSD as 11/89 and so did the card. I explained to him great but my card showed 12/14 and I was concerned that the card would report that date instead of 11/89. Of course it did so I guess I'll have to check again with them.

Don't get them to confused or your REAL card might get an MSD date of 2014 .. I got them confused and they changed my MSD to 2014, thank gosh I got them to put it back to 1990 once I saw what happened.. lol

Re: Another AMEX MSD AU question with a twist

Anonymous — Sat, 10 Jan 2015 16:24:01 GMT

@Anonymous wrote:
@Anonymous wrote:
I have two cards of my own that are reporting correctly as being opened in 1989. My DGF just acquired her first AMEX (other than being an AU on my accounts since 12/14). She put me on her card as an AU so that I could help with the minimum spend requirement. My AU card just reported and is being shown as opened since 12/14. My question is whether it should reflect 11/89 instead as that's when I became a member or is the 12/14 correct because I'm just an AU on that card? Hope that made sense
Currently, new cards that you are an AU on do not backdate. New cards where you are the basic member will, to the date of your first (basic or au) Amex.
So I think that is the confusion. AU cards ccount for the backdate target, but new AU cards don't get backdated

Ok. It just seems strange that my card says 'member since 2014' when that's not the case. I understand not giving MSDs of the primary member to AUs that have never had a card before but this is the exact opposite. I think

Re: Another AMEX MSD AU question with a twist

NRB525 — Sat, 10 Jan 2015 16:38:34 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I have two cards of my own that are reporting correctly as being opened in 1989. My DGF just acquired her first AMEX (other than being an AU on my accounts since 12/14). She put me on her card as an AU so that I could help with the minimum spend requirement. My AU card just reported and is being shown as opened since 12/14. My question is whether it should reflect 11/89 instead as that's when I became a member or is the 12/14 correct because I'm just an AU on that card? Hope that made sense
Currently, new cards that you are an AU on do not backdate. New cards where you are the basic member will, to the date of your first (basic or au) Amex.
So I think that is the confusion. AU cards ccount for the backdate target, but new AU cards don't get backdated
Ok. It just seems strange that my card says 'member since 2014' when that's not the case. I understand not giving MSDs of the primary member to AUs that have never had a card before but this is the exact opposite. I think

The card you have, as AU from DGF, needs to start from that 12/2014 date. I think it gets too circular otherwise.

To take the situation to the absurd, if circular AU MSD assignments were allowed, we'd have an incentive to all AU everyone else, until we found the "Adam & Eve" card holder with 1958 as the MSD, and then everyone on MyFICO would have an AMEX MSD of 1958.

Re: Another AMEX MSD AU question with a twist

Anonymous — Sat, 10 Jan 2015 16:46:58 GMT

@NRB525 wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I have two cards of my own that are reporting correctly as being opened in 1989. My DGF just acquired her first AMEX (other than being an AU on my accounts since 12/14). She put me on her card as an AU so that I could help with the minimum spend requirement. My AU card just reported and is being shown as opened since 12/14. My question is whether it should reflect 11/89 instead as that's when I became a member or is the 12/14 correct because I'm just an AU on that card? Hope that made sense
Currently, new cards that you are an AU on do not backdate. New cards where you are the basic member will, to the date of your first (basic or au) Amex.
So I think that is the confusion. AU cards ccount for the backdate target, but new AU cards don't get backdated
Ok. It just seems strange that my card says 'member since 2014' when that's not the case. I understand not giving MSDs of the primary member to AUs that have never had a card before but this is the exact opposite. I think
The card you have, as AU from DGF, needs to start from that 12/2014 date. I think it gets too circular otherwise.

To take the situation to the absurd, if circular AU MSD assignments were allowed, we'd have an incentive to all AU everyone else, until we found the "Adam & Eve" card holder with 1958 as the MSD, and then everyone on MyFICO would have an AMEX MSD of 1958.

Except that I already have a MSD of 1989. I'm not getting any advantage from being an AU on her card. If it was the other way around and I was asking to get her MSD of 1989 I would understand your comparison. In my simple mind, if I'm a member of AMEX since 1989, all cards in my name should reflect that. And whether I'm an AU or not, this card is in my name and reporting on my CRs as 2014.

Re: Another AMEX MSD AU question with a twist

Anonymous — Sat, 10 Jan 2015 16:50:33 GMT

@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I have two cards of my own that are reporting correctly as being opened in 1989. My DGF just acquired her first AMEX (other than being an AU on my accounts since 12/14). She put me on her card as an AU so that I could help with the minimum spend requirement. My AU card just reported and is being shown as opened since 12/14. My question is whether it should reflect 11/89 instead as that's when I became a member or is the 12/14 correct because I'm just an AU on that card? Hope that made sense
Currently, new cards that you are an AU on do not backdate. New cards where you are the basic member will, to the date of your first (basic or au) Amex.
So I think that is the confusion. AU cards ccount for the backdate target, but new AU cards don't get backdated
Ok. It just seems strange that my card says 'member since 2014' when that's not the case. I understand not giving MSDs of the primary member to AUs that have never had a card before but this is the exact opposite. I think
The card you have, as AU from DGF, needs to start from that 12/2014 date. I think it gets too circular otherwise.

To take the situation to the absurd, if circular AU MSD assignments were allowed, we'd have an incentive to all AU everyone else, until we found the "Adam & Eve" card holder with 1958 as the MSD, and then everyone on MyFICO would have an AMEX MSD of 1958.
Except that I already have a MSD of 1989. I'm not getting any advantage from being an AU on her card. If it was the other way around and I was asking to get her MSD of 1989 I would understand your comparison. In my simple mind, if I'm a member of AMEX since 1989, all cards in my name should reflect that. And whether I'm an AU or not, this card is in my name and reporting on my CRs as 2014.

I agree it doesn't seem particularly consistent but that really is because the whole backdating is pretty strange. If this was any other issuer, you would get the current date on every card. So basically, they give you an advantage in some situations but they make the rules.

And if they backdated, you would have an AAoA advantage from being an AU, right?

Re: Another AMEX MSD AU question with a twist

Anonymous — Sat, 10 Jan 2015 16:59:44 GMT

@Anonymous wrote:
Except that I already have a MSD of 1989. I'm not getting any advantage from being an AU on her card. If it was the other way around and I was asking to get her MSD of 1989 I would understand your comparison. In my simple mind, if I'm a member of AMEX since 1989, all cards in my name should reflect that. And whether I'm an AU or not, this card is in my name and reporting on my CRs as 2014.
I agree it doesn't seem particularly consistent but that really is because the whole backdating is pretty strange. If this was any other issuer, you would get the current date on every card. So basically, they give you an advantage in some situations but they make the rules.

And if they backdated, you would have an AAoA advantage from being an AU, right?

I agree that the whole situation with backdating is bizarre but AMEX set it up this way and they certainly know people apply for their cards solely for this reason.

yes, I would get an advantage from the backdating but I feel that I earned it and deserve it 😀. I'm not going to stress over it too much because it has a negligible effect on my AAoA. Just seems inconsistent to me.