topic Re: Nervous about asking for Amex to backdate....what do you all think? in Credit Cards

Nervous about asking for Amex to backdate....what do you all think?

newmomnewme — Sun, 02 Feb 2014 16:39:41 GMT

Yesterday I applied online and was instantly approved for PRG and BCE (5k). I was going to call tomorrow to inquire about backdating, but I am afraid it may go bad.

I had a green card in college (1996-7) burned them for about 6k.....

I had a corporate gold card for work (2006-7) account was closed because I got a new job....

They have been SP me for years...

Will they simply deny my backdating request or investigate and find out about the past burning and close the door on me? Should I just be happy with the new cards and not worry about the backdating? It would really help my AAoA even if they just went back to 2006.

Anyone have a similar experience??? Thanks in advance. You all have been awesome.

Re: Nervous about asking for Amex to backdate....what do you all think?

youngandcreditwrthy — Sun, 02 Feb 2014 16:49:08 GMT

Don't ask them now. They should just do it right away. My second Amex was auto backdated. It usually isn't something you have to ask for,

Re: Nervous about asking for Amex to backdate....what do you all think?

MMB85 — Sun, 02 Feb 2014 16:51:51 GMT

Ya I was under the impression that Backdating was something they honor and automatically do, and not something you have to put in a request for.

Re: Nervous about asking for Amex to backdate....what do you all think?

clocktick — Sun, 02 Feb 2014 16:54:21 GMT

I burned them too many years ago but they still backdated for me without me asking. Look on your account page when you can. Sometimes the card 'member since' will be incorrect and you request a new one, but really pay attention to the card page. Congrats on the new cards!

Re: Nervous about asking for Amex to backdate....what do you all think?

Kenny — Sun, 02 Feb 2014 17:19:05 GMT

I say wait til you get the card in the mail and then call if it wasn't automatically backdated. I do hear though that you don't need to use the term backdate.. "My member since date isn't reflected as when I first had an Amex..." kind of talk. lol

Re: Nervous about asking for Amex to backdate....what do you all think?

Marcos8 — Sun, 02 Feb 2014 17:19:28 GMT

I would just wait and see when the card arrives. They may be backdated already. It's not a rush and since the new accounts won't even report for a couple of statements at least you'll have time to make the request and have it update to the CRA's. Congrats on the approvals

Re: Nervous about asking for Amex to backdate....what do you all think?

hot4u — Sun, 02 Feb 2014 18:23:22 GMT

@KennyS2006 wrote:
I say wait til you get the card in the mail and then call if it wasn't automatically backdated. I do hear though that you don't need to use the term backdate.. "My member since date isn't reflected as when I first had an Amex..." kind of talk. lol

Agree

Re: Nervous about asking for Amex to backdate....what do you all think?

-Wade- — Sun, 02 Feb 2014 18:26:15 GMT

@newmomnewme wrote:
Yesterday I applied online and was instantly approved for PRG and BCE (5k). I was going to call tomorrow to inquire about backdating, but I am afraid it may go bad.

I had a green card in college (1996-7) burned them for about 6k.....
I had a corporate gold card for work (2006-7) account was closed because I got a new job....
They have been SP me for years...

Will they simply deny my backdating request or investigate and find out about the past burning and close the door on me? Should I just be happy with the new cards and not worry about the backdating? It would really help my AAoA even if they just went back to 2006.

Anyone have a similar experience??? Thanks in advance. You all have been awesome.

If you call them, tell them your member date is wrong ! It's easy don't be scared

Re: Nervous about asking for Amex to backdate....what do you all think?

-Wade- — Sun, 02 Feb 2014 18:27:38 GMT

@Wade64 wrote:
@newmomnewme wrote:
Yesterday I applied online and was instantly approved for PRG and BCE (5k). I was going to call tomorrow to inquire about backdating, but I am afraid it may go bad.

I had a green card in college (1996-7) burned them for about 6k.....
I had a corporate gold card for work (2006-7) account was closed because I got a new job....
They have been SP me for years...

Will they simply deny my backdating request or investigate and find out about the past burning and close the door on me? Should I just be happy with the new cards and not worry about the backdating? It would really help my AAoA even if they just went back to 2006.

Anyone have a similar experience??? Thanks in advance. You all have been awesome.

If you call them, tell them your member date is wrong ! It's easy don't be scared

Here's the #

1 (800) 492-3344

Re: Nervous about asking for Amex to backdate....what do you all think?

newmomnewme — Sun, 02 Feb 2014 18:44:14 GMT

Thanks All. So I tried to set up my accounts on-line and its saying that my 4 CID is incorrect.

I will simply wait to get my cards and proceed as suggested. Thanks for the words of encouragement.

@wade64, you were supposed to tell me to get back to the garden! I app'd for Chase (high off the Amex approvals) and got the "review" message.

Re: Nervous about asking for Amex to backdate....what do you all think?

movingonup23 — Sun, 02 Feb 2014 18:51:11 GMT

When I applied for the bce it didn't automatically back date to my past account that had been charged off in 2008. I called and asked them to change my member since date and they looked up the old account and made the change on my new account. My charge off was paid settled for less than full balance to a collection agency.

Re: Nervous about asking for Amex to backdate....what do you all think?

-Wade- — Sun, 02 Feb 2014 22:30:30 GMT

@newmomnewme wrote:
Thanks All. So I tried to set up my accounts on-line and its saying that my 4 CID is incorrect.

I will simply wait to get my cards and proceed as suggested. Thanks for the words of encouragement.

@wade64, you were supposed to tell me to get back to the garden! I app'd for Chase (high off the Amex approvals) and got the "review" message.

Thanks for reminding me !!!! Now get back to the garden ASAP

Re: Nervous about asking for Amex to backdate....what do you all think?

rebroker212 — Sun, 02 Feb 2014 21:57:51 GMT

Got an AE JetBlue card last year, my statement had member since date of 1996 but the card said 2013, called and asked for new card with 1996 date, they sent new card with backdate right away

Re: Nervous about asking for Amex to backdate....what do you all think?

-Wade- — Sun, 02 Feb 2014 22:29:59 GMT

@rebroker212 wrote:
Got an AE JetBlue card last year, my statement had member since date of 1996 but the card said 2013, called and asked for new card with 1996 date, they sent new card with backdate right away

Congrats WTG

Re: Nervous about asking for Amex to backdate....what do you all think?

noobody — Mon, 03 Feb 2014 05:33:35 GMT

my card MSD was 13,after my BCE approval last year, it change to 95 in about a week later, i ask a card with emv chip, they sent me a new card with mds OF 95

it may take a week or so to get msd updated, i would wait a little while before calling

Re: Nervous about asking for Amex to backdate....what do you all think?

Boragard — Mon, 03 Feb 2014 05:41:05 GMT

I requested my MSD change via an online chat before my cards arrived.

Re: Nervous about asking for Amex to backdate....what do you all think?

takeshi74 — Mon, 03 Feb 2014 14:29:13 GMT

Check your MSD online once you're set up. Neither my nor my wife's initial BCP cards were dated correctly. MSD, however, was correct online for both of us and the replacements had the correct date.

Re: Nervous about asking for Amex to backdate....what do you all think?

newmomnewme — Mon, 03 Feb 2014 15:11:12 GMT

I am having trouble adding the cards online, so I will call them today and ask them to help out. I was able to set up the online account, but couldn't add any cards....maybe I should wait 24 as it said it would be ready within 24 hours....no worries. Still happy about the approvals.

Re: Nervous about asking for Amex to backdate....what do you all think?

titanofold — Mon, 03 Feb 2014 16:08:44 GMT

Yes, wait a day. My understanding is that it usually takes a business day or two for them to create the TL account for you.

Re: Nervous about asking for Amex to backdate....what do you all think?

newmomnewme — Mon, 03 Feb 2014 19:19:12 GMT

@titanofold wrote:
Yes, wait a day. My understanding is that it usually takes a business day or two for them to create the TL account for you.

Thanks. I just set it up yesterday...I will try again tomorrow; I just got an email saying my BCE was on the way. What about my PRG? J/K....I am just so worried that they are going to say "nevermind" or "we made a mistake" LOL