Amex, What are my chances?

[Anonymous]

Thanks for the feedback everyone, I will try to let you know what happens in January.

[Anonymous]

Can someone explain to me, as I don't currently have an AE card, why waiting to January is advantageous in terms of backdating?

[taxi818]

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@Anonymous wrote:

Can someone explain to me, as I don't currently have an AE card, why waiting to January is advantageous in terms of backdating?

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Ok. will make it quick and ez. 

I just got my first amex. October 2014. So my member date is 2014. Correct? 

So if I apply January any year. It will take my app month and combine it with my member since date. So example. If I apply for another amex January 2015. It will say card opened in January 2014. Making it a year old. 8 months older than my first card. 

If I apply say January 2016. It will make that card  on report. Opened jan 2014. My member date. Making it 2 years old. Even it's brand new. Making it older than my first card.  Good for my AA of A  and credit length. To boost scores. Hope this explains it.   Amex new cards gets older with time. All goid for your scores. 

[Anonymous]

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@taxi818 wrote:

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@Anonymous wrote:

Can someone explain to me, as I don't currently have an AE card, why waiting to January is advantageous in terms of backdating?

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Ok. will make it quick and ez. 

I just got my first amex. October 2014. So my member date is 2014. Correct? 

So if I apply January any year. It will take my app month and combine it with my member since date. So example. If I apply for another amex January 2015. It will say card opened in January 2014. Making it a year old. 8 months older than my first card. 

If I apply say January 2016. It will make that card  on report. Opened jan 2014. My member date. Making it 2 years old. Even it's brand new. Making it older than my first card.  Good for my AA of A  and credit length. To boost scores. Hope this explains it.   Amex new cards gets older with time. All goid for your scores. 

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Thank you very much.  Makes sense.  I was planning on applying now but I'll wait.  I did though have an AMEX gold back in late 80s into early 90s until I closed the account because of a divorce.  I hope when I get one now they'll be able to track that one down but not holding my breath.  Would be great for AAoA.

[taxi818]

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@Anonymous wrote:

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@taxi818 wrote:

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@Anonymous wrote:

Can someone explain to me, as I don't currently have an AE card, why waiting to January is advantageous in terms of backdating?

---

Ok. will make it quick and ez. 

I just got my first amex. October 2014. So my member date is 2014. Correct? 

So if I apply January any year. It will take my app month and combine it with my member since date. So example. If I apply for another amex January 2015. It will say card opened in January 2014. Making it a year old. 8 months older than my first card. 

If I apply say January 2016. It will make that card  on report. Opened jan 2014. My member date. Making it 2 years old. Even it's brand new. Making it older than my first card.  Good for my AA of A  and credit length. To boost scores. Hope this explains it.   Amex new cards gets older with time. All goid for your scores. 

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Thank you very much.  Makes sense.  I was planning on applying now but I'll wait.  I did though have an AMEX gold back in late 80s into early 90s until I closed the account because of a divorce.  I hope when I get one now they'll be able to track that one down but not holding my breath.  Would be great for AAoA.

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No need for you wait until then. 1980s will add 25 years to your report. Even card new. It will report as a 25 year old card. Your scores will shoot up. Add on. They will know asap. From you social.  You're golden. 

[Anonymous]

Great to hear.  No I have to decide which one

[taxi818]

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@Anonymous wrote:

Great to hear.  No I have to decide which one

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Well I would go revolver first. As it's a pain in case you don't want to pay in full   Options always great. But you can get 1 charge and 1 revolved on same day. Same pull. 

[Anonymous]

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@taxi818 wrote:

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@Anonymous wrote:

Great to hear.  No I have to decide which one

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Well I would go revolver first. As it's a pain in case you don't want to pay in full   Options always great. But you can get 1 charge and 1 revolved on same day. Same pull. 

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Ok. I'll go that route.  Appreciate the advice

[Anonymous]

Make sure you check the AMEX prequal site first and sign up for card offers if nothing shows for you. It might be worth waiting for a good offer; prequal bonuses are usually much bigger than than the public offerings, especially for the Premier Rewards Gold and Platinum charge cards.

[NRB525]

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@Anonymous wrote:

Make sure you check the AMEX prequal site first and sign up for card offers if nothing shows for you. It might be worth waiting for a good offer; prequal bonuses are usually much bigger than than the public offerings, especially for the Premier Rewards Gold and Platinum charge cards.

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+1

With the profiles above of folks who are a shoe-in to get AMEX, it pays to shop carefully for those offers. And to not wait for January if 10+ years backdating.