topic Re: Amex Stars Alignment in Credit Cards

Amex Stars Alignment

Brandnick — Wed, 05 Dec 2012 16:25:55 GMT

As they say "happy happy happy"

I app Amex on 11/18/12 and was approved for $4400 CL. I received my card on the 11/25/12 and looked on my card and noticed that the since member date was 12(2012). which was fine as I never hard a personally Amex before.

However this is where it get interesting, I login online today and noticed my member since date changed to 05 yes 2005 I was surprise and started to think if this was some error because I never had a personal Amex before. So I called Amex to find out and was told that it's because of my membership date of 2005 from my corporate card.

I said to the rep at Amex I will take it and he laughed and said he would send out a new card since the present card I have now is showing 12 (2012)

I did also app discover card the sometime(11/18/12) as Amex and that is reporting on my reports and my score is 771 fico. I am not sure what SCORE to expect when Amex starts to report to the CA's with open date of 2005. I can only assume is more north than south.

Re: Amex Stars Alignment

TheConductor — Wed, 05 Dec 2012 16:34:39 GMT

Congrats!

The surprise backdating is a nice bonus!

Whether your scores go north or south in the short term is going to depend on what the rest of your credit profile looks like. You will definitely get a short term dip from the new inquiries and reduced AAoA, but depending on your situation that could be partially or fully offset by improved utilization.

In the long term, it can certainly do you nothing but good, especially since any future Amex apps will also backdate to 2005.

Enjoy those new cards, and use them wisely!!

Re: Amex Stars Alignment

Brandnick — Wed, 05 Dec 2012 17:32:59 GMT

This is my December suprise

I am loving Amex everyday with this open date of 05, 800 fico score is getting closer and closer. I will update you all once Amex starts to report to the CA and what happens to my score.

Re: Amex Stars Alignment

Epcot — Wed, 05 Dec 2012 19:02:19 GMT

That's great, Congrats!

Re: Amex Stars Alignment

Brandnick — Wed, 05 Dec 2012 19:41:08 GMT

Thanks

Just did a simple AAOA calculation

- without Amex back dating my AOAA = 5.7 years

- with Amex back dating to 2005 my AAOA = 6.3 years

I am thinking now after doing my calculation above it's not much of a difference in AAOA "with it" to increase my score, but I will take it as its good enough to not see my score decrease due to reporting a new TL 11/12

Re: Amex Stars Alignment

shakalaka — Wed, 05 Dec 2012 19:42:58 GMT

Congrats and a really nice surprise from Amexco

Re: Amex Stars Alignment

distantarray — Wed, 05 Dec 2012 20:10:32 GMT

that's a nice surprise indeed

I didn't realize corporate cards could do that

Re: Amex Stars Alignment

Brandnick — Mon, 10 Dec 2012 20:46:15 GMT

Still Happy happy happy

Got my new replacement Amex BCE card with the 2005 date

Re: Amex Stars Alignment

09Lexie — Mon, 10 Dec 2012 20:52:21 GMT

@Brandnick wrote:
As they say "happy happy happy"

I app Amex on 11/18/12 and was approved for $4400 CL. I received my card on the 11/25/12 and looked on my card and noticed that the since member date was 12(2012). which was fine as I never hard a personally Amex before.

However this is where it get interesting, I login online today and noticed my member since date changed to 05 yes 2005 I was surprise and started to think if this was some error because I never had a personal Amex before. So I called Amex to find out and was told that it's because of my membership date of 2005 from my corporate card.

I said to the rep at Amex I will take it and he laughed and said he would send out a new card since the present card I have now is showing 12 (2012)

I did also app discover card the sometime(11/18/12) as Amex and that is reporting on my reports and my score is 771 fico. I am not sure what SCORE to expect when Amex starts to report to the CA's with open date of 2005. I can only assume is more north than south.

Nice! Does the backdating using corporate card work if you were just an AU? If yes, that would be wonderful! I was an AU on a corporate card back in 1997 for awhile before I left the company.

Re: Amex Stars Alignment

Brandnick — Mon, 10 Dec 2012 21:05:00 GMT

No sure of the details as I didn't want to push the issue , but I was told by the Amex rep the back dating was due to my corporate card I had in 2005 not sure if it was an error or actual fact that they back date for corporate cards but i will take and not complain

Re: Amex Stars Alignment

Repo-ed — Mon, 10 Dec 2012 21:18:53 GMT

dang - nice!

Re: Amex Stars Alignment

jamesdwi — Mon, 10 Dec 2012 22:05:04 GMT

guess they are really trying to twist your arm for you to apply for green or gold pr ( typically has first year AF waived), in january just to get more baskdating goodness for free.

Re: Amex Stars Alignment

Cageym — Tue, 11 Dec 2012 01:46:42 GMT

Backdating rocks! I had a government Amex in 1993 and they went that far back on all my Amex cards.

Re: Amex Stars Alignment

Brandnick — Tue, 11 Dec 2012 02:20:50 GMT

1993 wow that must be sweet

Re: Amex Stars Alignment

Cageym — Tue, 11 Dec 2012 02:24:48 GMT

Worked out pretty good. An instant 19 year history reported, on all 3 Amex cards. it did wonders for my AAoA.LOL

Re: Amex Stars Alignment

kevinjjc — Tue, 11 Dec 2012 02:57:22 GMT

Congrats! i'm jelly!!!

Re: Amex Stars Alignment

webhopper — Tue, 11 Dec 2012 03:45:36 GMT

Very nice! Congratulations on backdating goodness!