topic Re: AMEX backdating --> credit card at age 17 in Credit Cards

AMEX backdating --> credit card at age 17

WNA888 — Wed, 26 Mar 2014 10:46:43 GMT

Here's the deal. I was borned on 06/1987. I opened my first AMEX Blue Sky on 07/2005, one month after my 18th birthday, with a blank credit report since many creditors back then were handing out credit cards like candy before the Great Recession.

I applied and was approved for two AMEX credit cards this month [SPG (15K) and Everyday(12.5K]. My question is will AMEX backdate my account, if a backdated account opening date of 03/2005 would logically mean I obtained 2 individual credit credit cards at the age of 17, which is below the legal age of being in a binding contract? Or will the CRAs block those accounts from showing up on my CRAs? Or is this one of the cases where AMEX will not backdate? Does anyone know for sure what will happen?

Re: AMEX backdating --> credit card at age 17

JKXX — Wed, 26 Mar 2014 11:13:09 GMT

It should backdate. I was put on as an AU when I was under 18 and my MSD on my personal Amex puts me before 18

Re: AMEX backdating --> credit card at age 17

Leadberry — Wed, 26 Mar 2014 12:49:22 GMT

You're overthinking this. Your Amex accounts will backdate to your MSD. End of story. Mine backdate to 2003, when I was 14-15 years old.

Re: AMEX backdating --> credit card at age 17

takeshi74 — Wed, 26 Mar 2014 12:49:52 GMT

They'll backdate as long as they can find the records.

@WNA888 wrote:
Or will the CRAs block those accounts from showing up on my CRAs?

No.

Relax and confim your MSD online once your online access is established. If you're worried about it then check your reports after the new cards start reporting.

Re: AMEX backdating --> credit card at age 17

tskstorm — Wed, 26 Mar 2014 13:07:50 GMT

@takeshi74 wrote:
They'll backdate as long as they can find the records.

@WNA888 wrote:
Or will the CRAs block those accounts from showing up on my CRAs?
No.

Relax and confim your MSD online once your online access is established. If you're worried about it then check your reports after the new cards start reporting.

Whats MSD stand for? I also had an Amex card years ago, and was curious what MSD stood for.

Re: AMEX backdating --> credit card at age 17

Anonymous — Wed, 26 Mar 2014 13:19:37 GMT

@tskstorm wrote:
@takeshi74 wrote:
They'll backdate as long as they can find the records.

@WNA888 wrote:
Or will the CRAs block those accounts from showing up on my CRAs?
No.

Relax and confim your MSD online once your online access is established. If you're worried about it then check your reports after the new cards start reporting.

Whats MSD stand for? I also had an Amex card years ago, and was curious what MSD stood for.

MSD= Member Since Date

Re: AMEX backdating --> credit card at age 17

Involver — Wed, 26 Mar 2014 13:44:05 GMT

There are people who have had their MSDs backdated to when they were 3 years old. You have nothing to worry about.

Re: AMEX backdating --> credit card at age 17

Josh2942 — Wed, 26 Mar 2014 14:16:49 GMT

You can become an AU on Amexs at the age 15 so the answer is yes they will

Re: AMEX backdating --> credit card at age 17

SunriseEarth — Wed, 26 Mar 2014 18:31:58 GMT

@WNA888 wrote:
Here's the deal. I was borned on 06/1987. I opened my first AMEX Blue Sky on 07/2005, one month after my 18th birthday, with a blank credit report since many creditors back then were handing out credit cards like candy before the Great Recession.

I applied and was approved for two AMEX credit cards this month [SPG (15K) and Everyday(12.5K]. My question is will AMEX backdate my account, if a backdated account opening date of 03/2005 would logically mean I obtained 2 individual credit credit cards at the age of 17, which is below the legal age of being in a binding contract? Or will the CRAs block those accounts from showing up on my CRAs? Or is this one of the cases where AMEX will not backdate? Does anyone know for sure what will happen?

It would only be an issue with manual reviews. I get asked about my SLs frequently on manual reviews (I obtained my first when I was 17), but it's acceptable. UWs are certainly familiar with how AMEX backdating works.

Re: AMEX backdating --> credit card at age 17

xerostatus — Wed, 26 Mar 2014 18:59:27 GMT

To this day, I have no idea how this occured, but I was an AU on my older (by 5 years) sister's amex account.

It was reporting as "since 1991". I was 4 years old, and my sister was 9 in 1991. We hadn't even moved to the states, at that point.

*shrug.

When I was approved for my own amex card, I asked for the back-date (msd change) and they gave it.

My length of credit history is almost quite literally as old as I am.