Worth applying for an AMEX card today just for the backdating?

[Anonymous]

I am currently a college student (less than $10k income) with a Discover card ($1000) and as of this month a Sallie Mae Card ($2100) but have been interested in getting an AMEX card (my first one) for backdating purposes.

I was going to apply to the BCE which I received a mail offer for $250 back after $1000, but I forgot about it until it had already expired last week. I have an Everyday mail offer for 25k points after $2000, but I was hesitant to get a points card since I would definitely be unable to meet the 30 swipes per month and I don't travel right now or in the near future. 

Is it worth just applying to the Everyday despite this just for the 2014 backdating later or should I just wait for another mail offer for a BCE? Honestly between the Sallie Mae and Discover, the BCE isn't that enticing either, so maybe I should do something else entirely. Any advice on what I should do is appreciated.

[Anonymous]

It won't matter now.  The card won't be active until 2015 and your MSD date will be 2015, not 2014,  so you might as well wait

[chalupaman]

None of the Amex cards I have in my sig I had any prequalified offers for.

With that said, I think you should have at least one Amex card not just for backdating and stuff like that but for the potential to get a high credit limit so it will be easier to get higher limit cards later on. Unfortunately, I heard a lot of people applying now for Amex have been getting 2015 MSDs so if you wanted to have a 2014 MSD, then I'm afraid you're too late there.

[taxi818]

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@Anonymous wrote:

It won't matter now.  The card won't be active until 2015 and your MSD date will be 2015, not 2014,  so you might as well wait

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Exactly. you already missed the 2014 msd. i guess it stopped on the 21st of this month.

[Anonymous]

You'll start with a 2015 MSD but you can chat with Amex and they'll fix it for you . They did it for me .

[chalupaman]

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@Anonymous wrote:
You'll start with a 2015 MSD but you can chat with Amex and they'll fix it for you . They did it for me .

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That's great to know. I didn't know that so I take back what I said earlier.

[TRC_WA]

Yeah I will have to try that too.... approved on 12/26 and online account shows MSD 2015.

[mitchblue]

I wouldn't get a card if it's not 'enticing to you'. I also have several cards, maybe all, that I wasn't prequialified for. Find what best fits your CS and fits your needs..IMO.

[chalupaman]

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@TRC_WA wrote:

Yeah I will have to try that too.... approved on 12/26 and online account shows MSD 2015.

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Tell us how it goes. I'd ask the chat first.

[Anonymous]

Yeah just chat with them through your account. Act like you just noticed the 2015 date and would like your card and account to reflect the correct year . They'll send you a new card and fix the online account .