topic Re: Amex backdating?? How does that work? in Credit Cards

Amex backdating?? How does that work?

mattayy — Tue, 09 Feb 2016 07:27:17 GMT

Hello,

When I sign onto my Amex account is says member since 2014 (I was an AU on a card back in 2014) but I just got two of my own Amex cards a couple days ago and it says member since 16' on the card...so which one is it lol

Re: Amex backdating?? How does that work?

Chris679 — Tue, 09 Feb 2016 08:25:46 GMT

@mattayy wrote:
Hello,

When I sign onto my Amex account is says member since 2014 (I was an AU on a card back in 2014) but I just got two of my own Amex cards a couple days ago and it says member since 16' on the card...so which one is it lol

You should be able to call them and request replacement cards with the correct date on them. Check the open date on your credit reports for the new cards though. They should be 2014 and as long as that is the case no real need to get replacement cards.

Re: Amex backdating?? How does that work?

Ghoshida — Tue, 09 Feb 2016 09:02:51 GMT

@Chris679 wrote:
@mattayy wrote:
Hello,

When I sign onto my Amex account is says member since 2014 (I was an AU on a card back in 2014) but I just got two of my own Amex cards a couple days ago and it says member since 16' on the card...so which one is it lol
You should be able to call them and request replacement cards with the correct date on them. Check the open date on your credit reports for the new cards though. They should be 2014 and as long as that is the case no real need to get replacement cards.

AMEX stopped backdating to the credit bureaus a while ago. Nowadays the only "backdating" that happens is cosmetic in nature. The card can possibly be ordered (though my primary and AU cards have different MSD mark). But it won't matter to the bureaus either way.

Re: Amex backdating?? How does that work?

Chris679 — Tue, 09 Feb 2016 11:23:47 GMT

Wow I did not know that

Re: Amex backdating?? How does that work?

Anonymous — Tue, 09 Feb 2016 12:20:54 GMT

@Chris679 wrote:
Wow I did not know that

They stopped doing it March of last year.

Re: Amex backdating?? How does that work?

takeshi74 — Tue, 09 Feb 2016 15:07:34 GMT

It doesn't.

Your card will have your MSD but since the year of your MSD is no longer used for the date opened as indicated on your reports it's not backdating.

@Ghoshida wrote:
AMEX stopped backdating to the credit bureaus a while ago. Nowadays the only "backdating" that happens is cosmetic in nature. The card can possibly be ordered (though my primary and AU cards have different MSD mark). But it won't matter to the bureaus either way.

I recently received a replacement card where I'm an AU and it had my acutal MSD on it instead of the date that I was added.

Re: Amex backdating?? How does that work?

mattayy — Tue, 09 Feb 2016 15:20:39 GMT

Well that's unfortunate....

Re: Amex backdating?? How does that work?

Ghoshida — Tue, 09 Feb 2016 17:29:30 GMT

@takeshi74 wrote:
It doesn't.

Your card will have your MSD but since the year of your MSD is no longer used for the date opened as indicated on your reports it's not backdating.

@Ghoshida wrote:
AMEX stopped backdating to the credit bureaus a while ago. Nowadays the only "backdating" that happens is cosmetic in nature. The card can possibly be ordered (though my primary and AU cards have different MSD mark). But it won't matter to the bureaus either way.
I recently received a replacement card where I'm an AU and it had my acutal MSD on it instead of the date that I was added.

Good to know. Both my original and my replacement AU cards (EveryDay) bear the date of the main cardholder's MSD (2015, I was AU'ed at the same time) which is later than my own MSD (2013) which is there on both my BCE (first AMEX) and PRG (opened in 2016). Since backdating doesn't matter anymore, I haven't bothered getting the AU card changed.