topic Re: AMEX backdating question in Credit Cards

AMEX backdating question

Anonymous — Thu, 02 May 2013 01:35:43 GMT

I recently (3/10/13) applied for and got a green charge card and the delta sky miles credit card. Prior to this my only experience with AMEX is as an authorized user on my dads charge card many years ago (2000 when I turned 18) and stopped using the card within a year or so.

My cards say member since '13. I recently checked my cr on ex and eq and it said the accounts have been open 13 years! My AAoA has shot up along with my score.

Is this an error or are the backdating to when i became an AU?

Re: AMEX backdating question

LS2982 — Thu, 02 May 2013 01:37:30 GMT

@Anonymous wrote:
I recently (3/10/13) applied for and got a green charge card and the delta sky miles credit card. Prior to this my only experience with AMEX is as an authorized user on my dads charge card many years ago (2000 when I turned 18) and stopped using the card within a year or so.

My cards say member since '13. I recently checked my cr on ex and eq and it said the accounts have been open 13 years! My AAoA has shot up along with my score.

Is this an error or are the backdating to when i became an AU?

AFAIK AMEX stopped backdating AUs.....

Looks like you got lucky!

Re: AMEX backdating question

Anonymous — Thu, 02 May 2013 01:40:00 GMT

@Anonymous wrote:
I recently (3/10/13) applied for and got a green charge card and the delta sky miles credit card. Prior to this my only experience with AMEX is as an authorized user on my dads charge card many years ago (2000 when I turned 18) and stopped using the card within a year or so.

My cards say member since '13. I recently checked my cr on ex and eq and it said the accounts have been open 13 years! My AAoA has shot up along with my score.

Is this an error or are the backdating to when i became an AU?

It's no error you got the backdating! When you log into your online Amex account, what is your member date?

Re: AMEX backdating question

Anonymous — Thu, 02 May 2013 01:49:19 GMT

"It's no error you got the backdating! When you log into your online Amex account, what is your member date?"

2000!!!

I know for a fact it said 13 on the iPhone app, now it says 2000 on both the app and website!

Looks like AMEX continues to love me.

Re: AMEX backdating question

Anonymous — Thu, 02 May 2013 01:54:47 GMT

@Anonymous wrote:
"It's no error you got the backdating! When you log into your online Amex account, what is your member date?"

2000!!!

I know for a fact it said 13 on the iPhone app, now it says 2000 on both the app and website!

Looks like AMEX continues to love me.

Congrats on the backdating! Don't worry about the member date on the card , All that matters is the member date thats on the website and CB's

Re: AMEX backdating question

Anonymous — Thu, 02 May 2013 01:58:23 GMT

Amex will backdate AUs, but only to the time they became an AU, not when the primary cardholder became a member.

So if his dad had been a member for 30 years, but made him an AU in 2000, then he'd only get 13 years worth of backdating.

Also, you can request a new card with an updated "Member Since" on it if you'd like, just call them.

Re: AMEX backdating question

indiolatino61 — Thu, 02 May 2013 02:02:37 GMT

@Anonymous wrote:
I recently (3/10/13) applied for and got a green charge card and the delta sky miles credit card. Prior to this my only experience with AMEX is as an authorized user on my dads charge card many years ago (2000 when I turned 18) and stopped using the card within a year or so.

My cards say member since '13. I recently checked my cr on ex and eq and it said the accounts have been open 13 years! My AAoA has shot up along with my score.

Is this an error or are the backdating to when i became an AU?

If it says 2000 in the website, then that is the member date. They print cards in bulk for each year, so often they just send the new one with the current date. A quick call will get you a new card with the effective date. Congrats!

Re: AMEX backdating question

NonSufficientFunds — Thu, 02 May 2013 02:10:12 GMT

@indiolatino61 wrote:
@Anonymous wrote:
I recently (3/10/13) applied for and got a green charge card and the delta sky miles credit card. Prior to this my only experience with AMEX is as an authorized user on my dads charge card many years ago (2000 when I turned 18) and stopped using the card within a year or so.

My cards say member since '13. I recently checked my cr on ex and eq and it said the accounts have been open 13 years! My AAoA has shot up along with my score.

Is this an error or are the backdating to when i became an AU?
They print cards in bulk for each year, so often they just send the new one with the current date. A quick call will get you a new card with the effective date.

Do you mean that they don't emboss the 'member since' date at the same time as all the other info on the card ?

Re: AMEX backdating question

Anonymous — Thu, 02 May 2013 05:14:24 GMT

@NonSufficientFunds wrote:
@indiolatino61 wrote:
@Anonymous wrote:
I recently (3/10/13) applied for and got a green charge card and the delta sky miles credit card. Prior to this my only experience with AMEX is as an authorized user on my dads charge card many years ago (2000 when I turned 18) and stopped using the card within a year or so.

My cards say member since '13. I recently checked my cr on ex and eq and it said the accounts have been open 13 years! My AAoA has shot up along with my score.

Is this an error or are the backdating to when i became an AU?
They print cards in bulk for each year, so often they just send the new one with the current date. A quick call will get you a new card with the effective date.
Do you mean that they don't emboss the 'member since' date at the same time as all the other info on the card ?

I'd be willing to bet all info is embossed at the same time. Regardless, I'm extatic to have two accounts reporting 13 years old instead of 2 months. AAoA is where I needed the most help.

Re: AMEX backdating question

OhioCPA — Thu, 02 May 2013 11:24:36 GMT

@NonSufficientFunds wrote:
@indiolatino61 wrote:
@Anonymous wrote:
I recently (3/10/13) applied for and got a green charge card and the delta sky miles credit card. Prior to this my only experience with AMEX is as an authorized user on my dads charge card many years ago (2000 when I turned 18) and stopped using the card within a year or so.

My cards say member since '13. I recently checked my cr on ex and eq and it said the accounts have been open 13 years! My AAoA has shot up along with my score.

Is this an error or are the backdating to when i became an AU?
They print cards in bulk for each year, so often they just send the new one with the current date. A quick call will get you a new card with the effective date.
Do you mean that they don't emboss the 'member since' date at the same time as all the other info on the card ?

For someone who isn't a member currently Amex will generally put the current year as the member since date on the first card issued. Any subsequent cards will have the correct member since date. As others have stated, what is important is the date that gets reported to the CB's.

Re: AMEX backdating question

dddfresh — Thu, 02 May 2013 13:46:40 GMT

Ao awesome

Re: AMEX backdating question

dddfresh — Thu, 02 May 2013 21:50:11 GMT

You dirty dawgs, it was approved!!!! I kept reading these new threads on people getting huge score jumps from getting their amex backdated to their AU dates and I figured 1-3 HP were worth the risk!!
I was approved for the green. The guy from amex said
It wont be backdated but i hopes hes wrong!!!!

Does this mean i can apply for the delta gold credit card and be approved with the same application???? It was an instant approval online so i dont know if it pulled more than one bureua.

Thanks for the peer pressure!!!

Re: AMEX backdating question

LS2982 — Thu, 02 May 2013 21:54:54 GMT

@dddfresh wrote:
You dirty dawgs, it was approved!!!! I kept reading these new threads on people getting huge score jumps from getting their amex backdated to their AU dates and I figured 1-3 HP were worth the risk!!
I was approved for the green. The guy from amex said
It wont be backdated but i hopes hes wrong!!!!

Does this mean i can apply for the delta gold credit card and be approved with the same application???? It was an instant approval online so i dont know if it pulled more than one bureua.

Thanks for the peer pressure!!!

CONGRATS!!!!

If your going to app I'd do it now, it is purely YMMV with the 1 HP for both situation.

Re: AMEX backdating question

dddfresh — Thu, 02 May 2013 22:14:47 GMT

Ok. I'm going for BCE...is the BCP worth the $75 af?

Re: AMEX backdating question

LS2982 — Thu, 02 May 2013 22:17:33 GMT

@dddfresh wrote:
Ok. I'm going for BCE...is the BCP worth the $75 af?

Depends on your spending pattern. Are you goign to spend enough to be able to cover the AF and some?

Re: AMEX backdating question

dddfresh — Thu, 02 May 2013 22:28:07 GMT

I wasn't approved for BCE :/

Re: AMEX backdating question

dddfresh — Thu, 02 May 2013 22:28:41 GMT

Dangit. Is recon any good?

Re: AMEX backdating question

LS2982 — Thu, 02 May 2013 22:40:16 GMT

@dddfresh wrote:
I wasn't approved for BCE :/

Was it a straight decline or 7-10 day message?

Re: AMEX backdating question

LS2982 — Thu, 02 May 2013 22:41:05 GMT

@dddfresh wrote:
Dangit. Is recon any good?

AMEX is very hard on recon. There must be an inaccuracy on their denial reason(s) to reverse a decision.

Re: AMEX backdating question

dddfresh — Thu, 02 May 2013 22:48:45 GMT

It said "we cannot approve your application" in about 45 seconds. This was maybe 30min after the green card acceptance. I'm really hoping for the backdating to my old AU start date. Aye aye aye