topic Re: Backdating Question in Credit Cards

Backdating Question

godscountry — Thu, 25 Sep 2014 13:07:29 GMT

I just got my PRG in the mail, but I had an AMEX account back in the 90's. My MSD says member since 14. I asked customer service about this and they asked....did I have a membership and cancel and not come back, and I said yes. I cancelled and didnt come back til now. They said that if that is the case then my MSD is not going to reflect that previous membership.

Re: Backdating Question

Anonymous — Thu, 25 Sep 2014 13:34:17 GMT

Did you call in or use that chat feature? I used chat and they put in the request and a few hours later it was processed. They did't really ask any questions...I just told them when I had become a member (year). Try that out and let us know!

Re: Backdating Question

godscountry — Thu, 25 Sep 2014 16:27:40 GMT

@MstrPTato wrote:
Did you call in or use that chat feature? I used chat and they put in the request and a few hours later it was processed. They did't really ask any questions...I just told them when I had become a member (year). Try that out and let us know!

no, just called the number on the back of the card. will try the chat and report back!

Re: Backdating Question

godscountry — Thu, 25 Sep 2014 16:36:59 GMT

@MstrPTato wrote:
Did you call in or use that chat feature? I used chat and they put in the request and a few hours later it was processed. They did't really ask any questions...I just told them when I had become a member (year). Try that out and let us know!

man.....that was a friggin breeze....spoke with someone on chat and they changed it right then and told me my new cards will be arriving soon! use the chat feature guys.....much quicker.

Re: Backdating Question

Involver — Thu, 25 Sep 2014 16:39:06 GMT

Chat is the way to go.

But it should be noted that Amex does seem to be tightening up on this policy.

Re: Backdating Question

Anonymous — Thu, 25 Sep 2014 16:54:22 GMT

@godscountry wrote:
@MstrPTato wrote:
Did you call in or use that chat feature? I used chat and they put in the request and a few hours later it was processed. They did't really ask any questions...I just told them when I had become a member (year). Try that out and let us know!
man.....that was a friggin breeze....spoke with someone on chat and they changed it right then and told me my new cards will be arriving soon! use the chat feature guys.....much quicker.

Congrats!

Re: Backdating Question

Jlu — Thu, 25 Sep 2014 16:57:15 GMT

It doesn't matter what it says on your card in terms of CR backdating - if it says it online when you login that's what will be on your report under account opened date.

When you login it says Your Name and then under that it says "CARDMEMBER SINCE XXXX".

Re: Backdating Question

Anonymous — Thu, 25 Sep 2014 17:11:15 GMT

Mine worked...says 1999 when I login! Used to say 2014.

Re: Backdating Question

godscountry — Thu, 25 Sep 2014 20:15:02 GMT

@Jlu wrote:
It doesn't matter what it says on your card in terms of CR backdating - if it says it online when you login that's what will be on your report under account opened date.

When you login it says Your Name and then under that it says "CARDMEMBER SINCE XXXX".

Right. When I logged in it said 2014 (because I havent had an account with them for over 10 years). They fixed it now through chat session. I got notification email and logged in just now and it has the date I first opened an account with them.

Re: Backdating Question

B335is — Fri, 26 Sep 2014 01:25:11 GMT

@Jlu wrote:
It doesn't matter what it says on your card in terms of CR backdating - if it says it online when you login that's what will be on your report under account opened date.

When you login it says Your Name and then under that it says "CARDMEMBER SINCE XXXX".

Definitely. Amex considers your MSD the date you first got a card - ever. I went through this a few years ago after rebuilding and was approved for PRG. It had like 2011 open date, I called and asked but they seemed dumbfounded. A few weeks later I noticed my MSD changed on the homepage to 1998. I never did the chat feature, just got very lucky in that case.

Re: Backdating Question

Firehorse — Fri, 26 Sep 2014 03:29:27 GMT

Yes! Definitely do it in chat.

Simply tell them: "I'd like to update my new card to reflect my original membership date."

Worked like a charm! I got an email about 3 hours later that my updated card will arrive soon. I haven't even gotten the first yet btw...