topic Amex & backdating in Credit Cards

Amex & backdating

Anonymous — Mon, 15 Jun 2015 18:43:31 GMT

I know there are multiple people that have had the experience of Amex not backdating, and others who have requested replacement cards and saw backdating, but I have a story of a good ol' fashion regular backdating.

I've been teaching one of my employees about CCs and all that I learn on this forum. He has great credit scores and has had an Amex Blue Cash since 2006.

He applied for the Amex Platinum and the Amex Hilton last week, approved for both, received them the other day, and they both say 2006.

So it still must happen, at least in some cases?

Re: Amex still might backdate

Anonymous — Mon, 15 Jun 2015 17:21:51 GMT

Nope, they still will report old msd's on cards but won't report that way to the crb's unfortunately

Re: Amex still might backdate

Anonymous — Mon, 15 Jun 2015 17:22:13 GMT

@Anonymous wrote:
I know there are multiple people that have had the experience of Amex not backdating, and others who have requested replacement cards and saw backdating, but I have a story of a good ol' fashion regular backdating.

I've been teaching one of my employees about CCs and all that I learn on this forum. He has great credit scores and has had an Amex Blue Cash since 2006.

He applied for the Amex Platinum and the Amex Hilton last week, approved for both, received them the other day, and they both say 2006.

So it still must happen, at least in some cases?

The question is: where does it say 2006? On the card, yes, that hasn't stopped. The change is what is shown on the credit report. If that shows 2006, then this would indeed be a counter-example.

Re: Amex still might backdate

Anonymous — Mon, 15 Jun 2015 17:43:03 GMT

I suspected that, but hadn't scanned the many pages of those forums.

Yes, it said it on the cards, and hasn't yet updated on reports. But I'll have him look out for next updated report, just cuz...

Re: Amex still might backdate

Obt3wKLq5t — Mon, 15 Jun 2015 18:03:24 GMT

The dates on the card don't matter. It's the dates on the credit report that we care about. My card from April gave me an open date of 2015.

Re: Amex still might backdate

Kostya1992 — Mon, 15 Jun 2015 18:06:56 GMT

I think this will take a while for people to get out of the backdating mentality.

AMEX continues to put MSD on their cards which leads many people into thinking their are actually backdating to that year on the CRAs.

Re: Amex still might backdate

SunriseEarth — Mon, 15 Jun 2015 18:42:07 GMT

@Kostya1992 wrote:
I think this will take a while for people to get out of the backdating mentality.

AMEX continues to put MSD on their cards which leads many people into thinking their are actually backdating to that year on the CRAs.

Correct. And what's on the CRs is what has been of concern to those with AAoA issues.

Re: Amex & backdating

Anonymous — Mon, 15 Jun 2015 18:45:29 GMT

My discover card has a member since date too, I assume that would remain the same if i opened a new account. Has nothing to do with back dating, sure would be nice though.

Re: Amex & backdating

Anonymous — Thu, 18 Jun 2015 00:13:31 GMT

The only backdating that matters is the one reported to the CRAs and Amex has stopped that nice little perk. Printing your original MSD on your card and dis playing it on your account online has 0 benefit to us cardholders.

Re: Amex still might backdate

Anonymous — Thu, 18 Jun 2015 00:16:15 GMT

@Obt3wKLq5t wrote:
The dates on the card don't matter. It's the dates on the credit report that we care about. My card from April gave me an open date of 2015.

It matters to me. I love looking at my cards and seeing Member since 80.

Re: Amex still might backdate

Anonymous — Thu, 18 Jun 2015 00:37:45 GMT

@Anonymous wrote:
@Obt3wKLq5t wrote:
The dates on the card don't matter. It's the dates on the credit report that we care about. My card from April gave me an open date of 2015.
It matters to me. I love looking at my cards and seeing Member since 80.

Buit is the thrill stil there after the 1000th time?

Re: Amex still might backdate

Anonymous — Thu, 18 Jun 2015 00:48:42 GMT

@Anonymous wrote:
@Anonymous wrote:
@Obt3wKLq5t wrote:
The dates on the card don't matter. It's the dates on the credit report that we care about. My card from April gave me an open date of 2015.
It matters to me. I love looking at my cards and seeing Member since 80.
Buit is the thrill stil there after the 1000th time?

The thrill went away with my ED, so I apped the SimplyCash. Now the thrill is back.

Re: Amex still might backdate

TRC_WA — Thu, 18 Jun 2015 01:37:33 GMT

I got my first AmEx in December 2014... and my card says MSD 2014.

I'm so disappointed that I didn't get a card in like 1991 or something so I could get a 2nd card in 2015 that AmEx inaccurately reports to the CRA's as being opened in 1991.

It just kills that 15% of my FICO score I'll tell ya....

Re: Amex & backdating

Anonymous — Thu, 18 Jun 2015 02:01:23 GMT

I know. My first Amex was 1990. I didn't use it much after 2007 and they closed the account positively in 2012. I just opened three new 3 Amex card's and while it says 1990 on my account, I'm certain my report's will state 2015. I'd love the backdating to 1990. Oh well. Too late for me.