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Amex backdating question and app

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fedxboy
Established Contributor

Amex backdating question and app

Hello.....Hello

 

I should be in the garden tending to my seedlings, since I've opened  4 new credit cards in the last 6 months.  Darn those Comenity Soft pull preapprovals.  In June, I think I opened Total Rewards Visa(3000) and in July I opened a MyPoints Visa(2000).  In Aug, I opened my US Bank Cash+(6000) via a pre-selected/pre-approved offer.  Also, I opened a TrueValue Discover(3000) -- don't ask me why.  I guess I'll keep these new cards for about a year and close them except for the Cash+ and MyPoints.

 

So with the cards in my profile, I wanted to clean up a bit and closed a Fingerhut (800) and my Walmart charge (4500) and then had my Walmart Discover increased via the Luv button to (7500) about 2 weeks ago.

 

So, like I said -- I'm gardening.....Smiley Wink..........and continue to read stories here on these boards.  Lately, I've been interested in obtaining a real AMEX and I've read the general consenus is that the easiest card to be approved for is the Delta Gold Skymiles -- right??  I narrowed down my choices of Amex to the annual fee.  I was comparing the Delta Gold, Costco, and just the Blue Cash Everyday, since no annual fee.  Last year, I applied for the Blue Sky by accident since they have (WOW) 5 different Blue cards and of course I picked the wrong one and was declined -- just desired the basic one with no fee.

 

Well, a few hours ago I app'd for the Delta Gold Skymiles and the cursor took forever to come back with an answer and then finally I got the 14 day message .....Smiley Frustrated 

 

Question:  Do I need an Amex?  NO!  Then why apply??   I'm interested in the backdating, since I had an Amex Green card when I was 19 and moved into my first apt.  It came pre-approved and all I had to do was sign the line -- the good old days Smiley Happy  What kind of evidence do I need to show that I had an Amex many many years ago for backdating??

 

 



(7/23/16) AMEX FICO EX 728, (6/20/16) Discover FICO TU 747, (7/24/16) Barclays FICO 750 (TC Lines $400+K) AAoA= 4.3 yrs
Message 1 of 11
10 REPLIES 10
goal_digger
Regular Contributor

Re: Amex backdating question and app

I would recommend calling.  I app'ed for the Delta card a week or so ago and got the same 14 day message. Called in, answered a few verification questions, and was approved.

 

In terms of evidence for backdating, it helps if you have the account number.  In my case, all I had were the last 5 digits of the card, the email account it was linked to, and when the application was made. I talked to an agent via secure message and my account was backdated with a new card sent out the next day.

 

Good luck!

In order of approval...
Fico Scores: EX 721 | EQ 723 | TU 719
Goals: Reduce util, obtain soft-pull CLIs and 720 across the board.
Message 2 of 11
Anonymous
Not applicable

Re: Amex backdating question and app

As FYI, charge cards should be easier to get than Delta.

Message 3 of 11
09Lexie
Moderator Emerita

Re: Amex backdating question and app

If Amex can locate your information, they will backdate your MSD.
Message 4 of 11
fedxboy
Established Contributor

Re: Amex backdating question and app

WOO HOO Smiley Very Happy

 

I checked the app status via online and ..............drum rolllllll

 

 

11/15/13
DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS
Approved
Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer

 



(7/23/16) AMEX FICO EX 728, (6/20/16) Discover FICO TU 747, (7/24/16) Barclays FICO 750 (TC Lines $400+K) AAoA= 4.3 yrs
Message 5 of 11
FutureBillionaire
Established Contributor

Re: Amex backdating question and app


@fedxboy wrote:

WOO HOO Smiley Very Happy

 

I checked the app status via online and ..............drum rolllllll

 

 

11/15/13
DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS
Approved
Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer

 


Congrats!!!

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Message 6 of 11
fedxboy
Established Contributor

Re: Amex backdating question and app

Now I can close Macy's Amex(4000) and maybe even Macy's(1500), since their interest rates are excessive...........Now, a real Discover would be nice.......Oh yeah, I'm gardening.........



(7/23/16) AMEX FICO EX 728, (6/20/16) Discover FICO TU 747, (7/24/16) Barclays FICO 750 (TC Lines $400+K) AAoA= 4.3 yrs
Message 7 of 11
MissCredit9
Frequent Contributor

Re: Amex backdating question and app

keep us posted on how you manage to get it backdated. congrats onthe approval!



AMEX PRG NPSL, FIDELITY REWARDS 50K, CHASE SAPPHIRE RESERVE 27K, AMEX DELTA SKYMIES GOLD 25K, CITI DIAMOND PREFERRED 22K, CHASE FREEDOM 20K, CITI DOUBLE CASH 15.5K, BARCLAYCARD REWARDS MASTERCARD 15K, CHASE MARRIOTT PREMIER 5K, CAPITAL ONE SONY CARD 5.75K, CAPITAL ONE QUICKSILVER 3.5K, AMAZON STORECARD 6K, VICTORIAS SECRET 2650, EXPRESS NEXT 1850,Gardening2/17/17.
Message 8 of 11
alvon123
Super Contributor

Re: Amex backdating question and app


@FutureBillionaire wrote:

@fedxboy wrote:

WOO HOO Smiley Very Happy

 

I checked the app status via online and ..............drum rolllllll

 

 

11/15/13
DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS
Approved
Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer

 


Congrats!!!


+1 Congrats!!!  well done!!


Message 9 of 11
fedxboy
Established Contributor

Re: Amex backdating question and app

What a great day and AMEX reps are just so helpful!!!   I just called the 800# to inquire about my new card and they told me the limit which is only 2k, but I really don't care about the limit.  I was most concerned with backdating, so I told the rep I had an Amex Green card many moons ago and OMG, he noticed that too in the screen and submitted a new card with my new member date since 1990.  I could of sworn it was in the year of 1988, but that's only 2 years difference.

 

I'm just so happy that the new card will reflect 1990 and that's like 23 years ago.   Wow, that should really help  my AAoA, which is currently around 4 years.   Thanks MYFICO for all the relevant information on these boards!!!



(7/23/16) AMEX FICO EX 728, (6/20/16) Discover FICO TU 747, (7/24/16) Barclays FICO 750 (TC Lines $400+K) AAoA= 4.3 yrs
Message 10 of 11
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