AMEX MSD Question

[kr3st00]

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@heyarrnold wrote:

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@kr3st00 wrote:

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@pizzadude wrote:

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@newhis wrote:

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From what I read, if you apply in August 2014, your card will report as 08/07. If you get your card January 2015 it will report 01/07.

You can ask for new cards with the correct MSD if you want.

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That's correct ~ the date opened on your reports is the month you opened the account combined with the year of your MSD.

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So if I wait until January 2015, it will actually report the oldest possible. 01/07 since my MSD is 2007. Therefor jumping over my BCP which is reporting as 05/07 and then be my oldest TL. 

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That is correct. Always apply in Jan to get the maximum benefit from BD.

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Perfect. Thanks for the tip! 

[leegreen]

So my .02 here it depends on your report but mine has 30 accounts in my AAoA calculation. If it was me I wouldn't be concerned about the month difference because when averaged out each month is only worth one day lol. So take the card if you want it.

[pizzadude]

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@leegreen wrote:
So my .02 here it depends on your report but mine has 30 accounts in my AAoA calculation. If it was me I wouldn't be concerned about the month difference because when averaged out each month is only worth one day lol. So take the card if you want it.

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I agree ~ I'd apply when you get achieve the max benefit, which in this case would hopefully be MR points, over an incremental account age increase which likely won't alter your AAoA.