topic Re: does AMEX backdating affect reporting? in Credit Cards

does AMEX backdating affect reporting?

Anonymous — Mon, 31 Mar 2014 23:45:10 GMT

I opened AMEX BCP 2 months ago and promptly backdated to a couple of years back. is this the reason why it has yet to report to the CBs?

Re: does AMEX backdating affect reporting?

Shock — Mon, 31 Mar 2014 23:54:51 GMT

Not sure why, but they take up to a couple months to report. My BCE just reported three days ago and my open date was Feb 1st 2014.

Re: does AMEX backdating affect reporting?

09Lexie — Mon, 31 Mar 2014 23:55:30 GMT

@Anonymous wrote:
I opened AMEX BCP 2 months ago and promptly backdated to a couple of years back. is this the reason why it has yet to report to the CBs?

Not at all. It's not unusual for Amex to report after two billing cycles

Re: does AMEX backdating affect reporting?

Kenny — Mon, 31 Mar 2014 23:58:55 GMT

@09Lexie wrote:
@Anonymous wrote:
I opened AMEX BCP 2 months ago and promptly backdated to a couple of years back. is this the reason why it has yet to report to the CBs?
Not at all. It's not unusual for Amex to report after two billing cycles

This. lol Some people have freakishly had it report quickly, but for the most part it's always like 1-2 sometimes even 3 cycles.

Re: does AMEX backdating affect reporting?

Marcos8 — Tue, 01 Apr 2014 14:54:14 GMT

It's just how Amex is. My BCP from the first week of October didn't report until January.

Re: does AMEX backdating affect reporting?

BigBS — Tue, 01 Apr 2014 17:12:46 GMT

My Gold Delta SkyMiles was opened in Feb and just starting reporting earlier this week.

Re: does AMEX backdating affect reporting?

thom02099 — Tue, 01 Apr 2014 22:48:57 GMT

@Anonymous wrote:
I opened AMEX BCP 2 months ago and promptly backdated to a couple of years back. is this the reason why it has yet to report to the CBs?

Yup, as others have said, it does take a while. It can also be sporadic between bureaus. My BCP that I got last month is showing up on CreditKarma. AND the power of backdating became evident to me with the addition of 13 months of longevity added to my report (backdated to 1991). Now, rather than being at 5years 9months for AAofA, I'm at 6 years 10 months! Just wish AMEX could have found my account back to 1976 when I got my first card!

Re: does AMEX backdating affect reporting?

Anonymous — Tue, 01 Apr 2014 23:11:38 GMT

@thom02099: I find it odd that I rec'd my BCP in FEB and it does NOT show for me in credit karma but it does for you?

Re: does AMEX backdating affect reporting?

thom02099 — Wed, 02 Apr 2014 04:25:43 GMT

@Anonymous wrote:
@thom02099: I find it odd that I rec'd my BCP in FEB and it does NOT show for me in credit karma but it does for you?

Yup, I checked CK today, it was there. Last week when I checked, it wasn't. Go figure!