topic Re: Will Amex ever bring back backdating? in Credit Cards

Will Amex ever bring back backdating?

Anonymous — Sun, 22 Jul 2018 08:42:09 GMT

Just wishfully thinking outloud! 😂😩 a relative offered to put me as a AU on their Amex and it’s not worth it for me without the years of history.

Re: Will Amex ever bring back backdating?

Anonymous — Sun, 22 Jul 2018 11:32:11 GMT

@Anonymous wrote:
Just wishfully thinking outloud! 😂😩 a relative offered to put me as a AU on their Amex and it’s not worth it for me without the years of history.

No to your question

Re: Will Amex ever bring back backdating?

UpperNwGuy — Sun, 22 Jul 2018 12:04:47 GMT

Not a chance.

Re: Will Amex ever bring back backdating?

Anonymous — Sun, 22 Jul 2018 16:01:02 GMT

@Anonymous wrote:
Just wishfully thinking outloud! 😂😩 a relative offered to put me as a AU on their Amex and it’s not worth it for me without the years of history.

This is why I keep my worthless Blue card. I wanted to close it right around 2015 until I found out the backdating ended. So I keep it around on the off chance they will allow me to PC it one day to something better and allow me to keep that 1999 date. Yes, I know I can change it to Everyday but meh.

As others have said...backdating is not coming back and I am surprised it lasted as long as it did. Would love to know what killed it....pressure from regulators/credit bureaus? It did seem to coincide with Amex losing Jet Blue and Costco. I wonder if Citi threw a fit about having to report 2 year-old cards as opened decades before because of the Amex backdating when they took over Costco cards.

Re: Will Amex ever bring back backdating?

Brian_Earl_Spilner — Sun, 22 Jul 2018 16:36:02 GMT

As an AU you would be getting their history, not yours. Unless you're talking about the member since date, which you would get.

Re: Will Amex ever bring back backdating?

Anonymous — Sun, 22 Jul 2018 17:12:22 GMT

@Brian_Earl_Spilner wrote:
As an AU you would be getting their history, not yours. Unless you're talking about the member since date, which you would get.

Right, I don’t want to be an AU “member since 2018” — I want to be a member since 1995!

Re: Will Amex ever bring back backdating?

Brian_Earl_Spilner — Sun, 22 Jul 2018 17:29:55 GMT

@Anonymous wrote:
@Brian_Earl_Spilner wrote:
As an AU you would be getting their history, not yours. Unless you're talking about the member since date, which you would get.
Right, I don’t want to be an AU “member since 2018” — I want to be a member since 1995!

That's different from backdating. The new card would probably have member since 2018, but I've heard of them arriving with the original date. Ive also heard of people getting replacement cards which would be updated with their original member since date.

Re: Will Amex ever bring back backdating?

Anonymous — Sun, 22 Jul 2018 19:13:28 GMT

@Brian_Earl_Spilner wrote:
@Anonymous wrote:
@Brian_Earl_Spilner wrote:
As an AU you would be getting their history, not yours. Unless you're talking about the member since date, which you would get.
Right, I don’t want to be an AU “member since 2018” — I want to be a member since 1995!
That's different from backdating. The new card would probably have member since 2018, but I've heard of them arriving with the original date. Ive also heard of people getting replacement cards which would be updated with their original member since date.

What it says on the card as 'Member Since' is meaningless. It only matters what is reported to the CRAs and prior to 3/21/15, American Express did 'backdate'; showing any new cards you opened as being new in the original year that you established an American Express account. For some of us, they do still backdate cards that we opened prior to March 2015. I have 3 cards that show as opened in 1988 that I really opened in 2014/2015. Certainly helps with AAoA

Re: Will Amex ever bring back backdating?

LunaBuna — Sun, 22 Jul 2018 21:36:06 GMT

My Amex cards show 2018 on them, but the Amex web site/Iphone App, show a 2006 date. Sadly I do not know what will show on my CRA's as they are not reported yet.

Re: Will Amex ever bring back backdating?

Anonymous — Sun, 22 Jul 2018 22:03:13 GMT

@LunaBuna wrote:
My Amex cards show 2018 on them, but the Amex web site/Iphone App, show a 2006 date. Sadly I do not know what will show on my CRA's as they are not reported yet.

They will show as opened in 2018

Re: Will Amex ever bring back backdating?

Meanmchine — Sun, 22 Jul 2018 22:36:31 GMT

My BCE was opened 11/2016

My card and homepage say member since 1989

I know for a fact I had a card back in like 1983 or so.

My problem is I dont remember if that card ended on a happy note or not

Bring back backdating !

Re: Will Amex ever bring back backdating?

Streetervillelady — Mon, 23 Jul 2018 01:21:16 GMT

@Anonymous wrote:
Just wishfully thinking outloud! 😂😩 a relative offered to put me as a AU on their Amex and it’s not worth it for me without the years of history.

Amex will bring back back-dating at the same time they bring back the Zync with a $25 AF!

Re: Will Amex ever bring back backdating?

Anonymous — Mon, 23 Jul 2018 01:30:30 GMT

With that way the world has changed, most likely not.

With electronic applications, the push for tighter payment security, identity theft measures, etc., it's unlikely AMEX will provide what is basically false information to a credit reporting bureau.