topic Question about Amex CR reporting in Credit Cards

Question about Amex CR reporting

theprat — Fri, 18 Apr 2014 22:56:53 GMT

Situation: Amex platinum since 02 as primary card holder....

Wife added me to her Amex BCP for grocery and gas. MSD on the card is 02 but my question is how will this report to credit report.

My hope is 2002 but my fear is 2014

Thanks in advance

Re: Question about Amex CR reporting

gdale6 — Sat, 19 Apr 2014 01:06:06 GMT

Should BD to your MSD.

Re: Question about Amex CR reporting

theprat — Sat, 19 Apr 2014 01:10:14 GMT

I should add my wife's bcp is 2014

Re: Question about Amex CR reporting

bobbay — Sat, 19 Apr 2014 02:58:13 GMT

@theprat wrote:
I should add my wife's bcp is 2014

your wifes date does not matter. It is based on when you started your relationship with amex. you are good to go

Re: Question about Amex CR reporting

09Lexie — Sat, 19 Apr 2014 03:35:05 GMT

@theprat wrote:
Situation: Amex platinum since 02 as primary card holder....

Wife added me to her Amex BCP for grocery and gas. MSD on the card is 02 but my question is how will this report to credit report.

My hope is 2002 but my fear is 2014

Thanks in advance

Unfortunately, what you fear is accurate. ACMs credit reports are not backdated; only cc's in which you are the primary cardholder.

If you are a primary cardholder, your CR's will be backdated as well. Amex recently changed their policy to exclude the CR backdating for ACMs - when you become a primary, your CR's would be backdated for YOUR new cc.

*personal cards - business cards it's a YMMV

Re: Question about Amex CR reporting

theprat — Sat, 19 Apr 2014 11:12:55 GMT

Thanks Lexie even if the AU Amex has msd 02 on the card? I got the card. And has benn backdated.

Re: Question about Amex CR reporting

09Lexie — Sat, 19 Apr 2014 17:51:02 GMT

@theprat wrote:
Thanks Lexie even if the AU Amex has msd 02 on the card? I got the card. And has benn backdated.

Yes, your MSD was locked in when you became an AU. They will carry that year over on your online profile and all accounts in which you are a primary. Cc's in which you are the ACM will have the MSD printed on the card but your CR's will not be backdated.