topic Re: AMEX BCE Backdate in Credit Cards

AMEX BCE Backdate

bman86 — Tue, 02 Jul 2013 16:50:52 GMT

I recently got the Amex BCE and I used to be a member back in '06 but that account has been closed for a while. I just logged in online and saw they updated my memeber since to 2006. How will this refect on my credit report? Will it backdate all the way back?

Re: AMEX BCE Backdate

zeusta20 — Tue, 02 Jul 2013 16:54:19 GMT

@bman86 wrote:
I recently got the Amex BCE and I used to be a member back in '06 but that account has been closed for a while. I just logged in online and saw they updated my memeber since to 2006. How will this refect on my credit report? Will it backdate all the way back?

Welcome to the forums!

Yes, it should backdate all the way back. Its when you FIRST became an amex customer. On your credit report, it will show that you've had the account open since 2006. So it definitely is good for your AAoA. Congrats on the BCE!

Re: AMEX BCE Backdate

bman86 — Tue, 02 Jul 2013 16:58:39 GMT

That is awesome! It will definitely be my oldest active account then. Thanks! I am so excited to back in with amex.

Re: AMEX BCE Backdate

Anonymous — Tue, 02 Jul 2013 17:17:29 GMT

Congrats!!!

Re: AMEX BCE Backdate

bman86 — Tue, 02 Jul 2013 20:34:23 GMT

Thank you! Would it be in my best interest to apply for one of their charge cards knowing that it was going to backdate again to '06 to help with my AAoA or is it not worth taking another inquiry? Right now EQ shows my AAoA at 3yr 9mo and CK shows it at 2yr 0mo.

Re: AMEX BCE Backdate

09Lexie — Tue, 02 Jul 2013 20:42:35 GMT

You could but you could also wait and get it in Jan. that way the new cc would be older than the BCE

Re: AMEX BCE Backdate

bman86 — Tue, 02 Jul 2013 20:49:28 GMT

Okay, that makes sense. So you think that would be more benificial in the long run with respect to my credit scores?

Re: AMEX BCE Backdate

09Lexie — Tue, 02 Jul 2013 20:52:07 GMT

No, it shouldn't affect your score that much if at all. It's just one way of getting the most out of Amex backdating.

Re: AMEX BCE Backdate

myjourney — Wed, 03 Jul 2013 05:38:24 GMT

Congrats glad it worked out for you Wooo Hooo

Re: AMEX BCE Backdate

bman86 — Wed, 03 Jul 2013 05:53:56 GMT

Thanks! Couldn't be happier, two accounts backdated to '06! I'm interested to see how my over all credit score is affected after they start reporting.

Re: AMEX BCE Backdate

indiolatino61 — Wed, 03 Jul 2013 06:31:14 GMT

Congrats on your backdating!

Re: AMEX BCE Backdate

OhioCPA — Wed, 03 Jul 2013 11:26:37 GMT

If you know you are going to apply for another Amex I wouldn't wait until January just for the small increase in AAoA. Depending on the number of accounts you have in your file, your AAoA won't likely benefit more than a month or two. Since AAoA is rounded down to the next whole year, you would only experience this benefit, if any, for one or two months out of the year. But, by waiting six months for a HP will put off the impact of that HP. I much rather have a lower AAoA in February '14 with a seven month old Inquiry, than a slightly higher AAoA with a fresh Inquiry.

Re: AMEX BCE Backdate

Open123 — Wed, 03 Jul 2013 15:16:36 GMT

@OhioCPA wrote:

But, by waiting six months for a HP will put off the impact of that HP. I much rather have a lower AAoA in February '14 with a seven month old Inquiry, than a slightly higher AAoA with a fresh Inquiry.

Excellent point! Something I had never considered in my analysis, but will now.

Re: AMEX BCE Backdate

knoregs — Wed, 03 Jul 2013 15:49:22 GMT

Congrats!

~kn

Re: AMEX BCE Backdate

bman86 — Wed, 03 Jul 2013 16:10:07 GMT

I would have never thought of it like that. Good point! Too bad I already applied and got approved for the PRG.

Re: AMEX BCE Backdate

brindle26 — Tue, 21 Jan 2014 16:56:28 GMT

I was approved today for the BCE card but had an Amex in 1990-91 would be sweet if they backdated for me some 22 years.

Re: AMEX BCE Backdate

maksimfa — Tue, 21 Jan 2014 19:46:22 GMT

When you log in online, it should say on top, member since....

Wait it until you get the card in the mail to see what it was listed.

i was approved for two amex cards, and initially it said 2014, however a few days later, it did change over to member since 2006.

Re: AMEX BCE Backdate

Anonymous — Tue, 21 Jan 2014 20:01:37 GMT

@brindle26 wrote:
I was approved today for the BCE card but had an Amex in 1990-91 would be sweet if they backdated for me some 22 years.

As long as you the primary on the card or the AU started in 90-91 and the card was issued by Amex and not say, BOA Amex, then it backdates. I had to call to my two Amex's backdated to 1988 but all it took was a phone call. Congrats.

Re: AMEX BCE Backdate

brindle26 — Fri, 31 Jan 2014 13:55:16 GMT

When I talked to the CSR he said they had no record of me fron the 80' and 90's. It was my personal card from Amex. I sent a secure message yesterday requestion an accurate member since date, haven't heard from them yet. Don't see anywhere to get messages from them either.

Re: AMEX BCE Backdate

brindle26 — Sat, 01 Feb 2014 12:18:22 GMT

Response to my request to correct the member since date,

I've submitted this request for review and rectification. If approved, you will receive your new Card in 9 - 12 business days.

So far I'm liking Amex. One year ago I applied for CapOne and Applied secured cards