topic Re: Amex Backdating Question in Credit Cards

Amex Backdating Question

mongstradamus — Mon, 30 Sep 2013 18:41:48 GMT

I tried to backdate the Amex BCP i just received in the mail today, but apparently they won't let me. What is the exact process i should be doing to go about doing it. I used to have an Amex Green card that i was an au on with my father when i got out of high school. Is it possible to backdate to that date or did i misunderstanding the backdating process?

Re: Amex Backdating Question

OhioCPA — Mon, 30 Sep 2013 18:46:22 GMT

The key to backdating is to ask for your "member since date" to be set to when you first had a card. Don't say anything about backdating. If that doesn't work, you might need to talk to the credit reporting group at AMEX. This group might need your original card number in order to validate your original date.

Before doing any of this, you might want to check your member since date online. This date will often times be the correct backdated date while the card will be the current year.

Re: Amex Backdating Question

09Lexie — Mon, 30 Sep 2013 18:47:43 GMT

First of all, do not use the term backdate. Call and tell them you noticed that your MSD was incorrect. You were an ACM back in blah blah blah. They should put you on hold and look it up, if they cannot find you they will submit a request to have it researched.

Edit: OhioCPA beat me to it : smileywink:

Re: Amex Backdating Question

mongstradamus — Mon, 30 Sep 2013 18:56:09 GMT

Ahh so i noticed that my member since date on my online account says since 1995. And they are sending me an new card with that member date. What i want to make sure is if it will report to the cra with that date.

Re: Amex Backdating Question

09Lexie — Mon, 30 Sep 2013 18:57:50 GMT

It will or should...just keep an eye out on your CR's

Re: Amex Backdating Question

mongstradamus — Mon, 30 Sep 2013 18:58:06 GMT

@OhioCPA wrote:
The key to backdating is to ask for your "member since date" to be set to when you first had a card. Don't say anything about backdating. If that doesn't work, you might need to talk to the credit reporting group at AMEX. This group might need your original card number in order to validate your original date.

Before doing any of this, you might want to check your member since date online. This date will often times be the correct backdated date while the card will be the current year.

Well the only issue i may have is i no longer have my original card from when i first opened an amex account as an ACH with my father. I think that account was closed when he passed away, so am I SOL? When i log on my amex account for my newly accquired Costco and BCP it does show 1995 as my MSD tho

Re: Amex Backdating Question

Revelate — Mon, 30 Sep 2013 18:58:31 GMT

@mongstradamus wrote:
Ahh so i noticed that my member since date on my online account says since 1995. And they are sending me an new card with that member date. What i want to make sure is if it will report to the cra with that date.

You're fine. I've never heard of the date in the online interface not matching what gets reported to the bureaus.

Congrats on the sweet backdate!

Re: Amex Backdating Question

09Lexie — Mon, 30 Sep 2013 18:59:02 GMT

I'm confused...if the online account says 1995 then you are fine

Re: Amex Backdating Question

mongstradamus — Mon, 30 Sep 2013 18:59:14 GMT

@09Lexie wrote:
It will or should...just keep an eye out on your CR's

Okay thanks for the info , i shall keep my eyes peeled.

Re: Amex Backdating Question

OhioCPA — Mon, 30 Sep 2013 20:08:35 GMT

You should be fine. The first card back with Amex is often cut before they have applied the correct member since date.

I applied for three Amex cards the same week in 2010. The first card came dated 2010, the other two were backdated to 1986. All three reported as opened in 1986. I did get a nice score boost from the backdating.

Re: Amex Backdating Question

IWOL — Mon, 30 Sep 2013 20:32:24 GMT

I have an AMEX card that I got in May and I was able to have it backdated to 2009 MSD but after 4 reporting cycles it still shows as 5/2013 open date on my credit reports.

My login shows 2009 MSD and they did send me a new card with the 2009 date.

I was planning to call AMEX credit reporting dept to see if I can get the CR to match the 2009 date. Im just not sure exactly what to say when I call.

Was thinking along the lines of.....my new card, account number so and so has my correct member since date but for some reason the reporting on my CR is not reflecting this accurately. Can you adjust the credit reporting for this card so that it accurately reflects my member since date?

Is that an appropriate way to ask?

Re: Amex Backdating Question

09Lexie — Mon, 30 Sep 2013 20:36:14 GMT

@IWOL

Are you the primary cardholder?

Re: Amex Backdating Question

IWOL — Mon, 30 Sep 2013 20:42:33 GMT

Lexie, no this is an AU account. They backdated my AU account to my MSD from my Platinum Business Card.

I had my sister add me as an AU with the hope that I would get the benefit of the backdating. I dont have the the profile yet to qualify for my own personal AMEX. Still trying to understand all the ins and outs of backdating.

If I cant get the CR reporting to reflect the 2009 date then I would be better of just removing myself as an AU an dperhaps I will still be able to hold on to the 2009 MSD for when I do get my own AMEX. If I remove myself as an AU will that remove/delete the reporting from my CR or do I need to also take more steps to get it removed?

Re: Amex Backdating Question

09Lexie — Mon, 30 Sep 2013 20:58:07 GMT

@IWOL

The backdating on CR's is reserved for primary cardmembers. Removing yourself now will not remove it from your CRs. You've taken the hit for the AAOA and unless you can request Amex to delete the account entirely, it will remain on your CR's.

Re: Amex Backdating Question

mongstradamus — Mon, 30 Sep 2013 21:21:22 GMT

@09Lexie wrote:
@IWOL

The backdating on CR's is reserved for primary cardmembers. Removing yourself now will not remove it from your CRs. You've taken the hit for the AAOA and unless you can request Amex to delete the account entirely, it will remain on your CR's.

lexie is right about MSD for ACH, hopefully this time with my new bcp that i am primary on i will be able to get it backdated. only time will tell . its two months before its starts reporting to CR is that correct?

Re: Amex Backdating Question

zerobacan — Mon, 30 Sep 2013 21:39:33 GMT

I also have qs about backdating

My DW added me to her Delta amex as aun AU on May this year.

I then got my own PRG on Sept 5th and on my CR the opening day is sept 5th not May.

If I call and ask will they change the MSD to may? Or am I bugging too much for 4 months :-)

Re: Amex Backdating Question

09Lexie — Mon, 30 Sep 2013 21:44:35 GMT

@zerobacan

It's the same answer I gave IWOL. The backdating only works on your primary card.

Re: Amex Backdating Question

zerobacan — Tue, 01 Oct 2013 03:24:10 GMT

@Lexie but we see post from people all the time saying they get their MSD backdated to when they were added as Au in their parents and spouses... sorry I don't get it :-(

Re: Amex Backdating Question

Anonymous — Tue, 01 Oct 2013 03:33:22 GMT

@zerobacan wrote:
I also have qs about backdating

My DW added me to her Delta amex as aun AU on May this year.

I then got my own PRG on Sept 5th and on my CR the opening day is sept 5th not May.

If I call and ask will they change the MSD to may? Or am I bugging too much for 4 months :-)

Backdating does not work for months the way you think it does. It only works for the year. In the future, Amex accounts opened will show as being opened with the month you actually opened them, and 13 as the year. So a new card opened in February 2014 will show as having been opened in February 2013. As a result, the way to maximize your AAoA & backdating in the future would be to open new amex accounts early in the year.

Re: Amex Backdating Question

09Lexie — Tue, 01 Oct 2013 03:33:35 GMT

The difference is they are now getting their own cards and every card will be backdated to the year when they were an ACM. If they were still ACM's it will not backdate their cr.