AAoA Question

[Anonymous]

So my average age of accounts is pretty low right now, I think it's roughly 10 or so months as I applied for a few credit cards in the last 6 months and my history is short in general.

I applied for my first Amex back in 2014, and I have noticed that the new Amex green I applied for a few weeks ago has 'member since 2014' on it.

People mention Amex backdating; does this new Amex green card affect my AAoA or does it report back as being opening in 2014 like my other one?

Sorry if this sounds like a stupid question, I was just confused about the whole Amex backdating thing.

[Anonymous]

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@pricetyler wrote:

So my average age of accounts is pretty low right now, I think it's roughly 10 or so months as I applied for a few credit cards in the last 6 months and my history is short in general.

I applied for my first Amex back in 2014, and I have noticed that the new Amex green I applied for a few weeks ago has 'member since 2014' on it.

People mention Amex backdating; does this new Amex green card affect my AAoA or does it report back as being opening in 2014 like my other one?

Sorry if this sounds like a stupid question, I was just confused about the whole Amex backdating thing.

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Won't help your AAoA.  While it may say member since 2014 on the card it will report to the credit bureaus as just opened.  Amex stopped backdating in March.

[Anonymous]

Ok, damn hahah.

Thank you Irish!

[takeshi74]

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@pricetyler wrote:

People mention Amex backdating; does this new Amex green card affect my AAoA

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As stated above, AmEx no longer backdates.  However all accounts affect AAoA.  Backdating can help but it really depends on the MSD, number of accounts, age of other accounts, etc.