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And continuing the future mode, I just received an email from Amex that my new card "was shipped" Jan 2, 2014.
@Anonymous wrote:
@09Lexie wrote:
@Blackbeauty212 wrote:Add me to the list.... Approved back in NOV naturally I'm MSD 2013 everywhere. Added my DH as AU to my BCE in beginning of Dec and He's also 2013. Just added my Mother right after X-mas she got the card Saturday (had it Overnighted) and Her MSD is 2014.
Didn't think too much of it since it's just a AU card, and everything will reflect based on primary account info.
This is not accurate. Each cc has its own account information and just because the primary MSD shows 2013 it does NOT make the ACMs MSD 2013.
Wait...really? You mean if I add an AU to my AMEX now, they don't get the MSD of 2013?..
If the account is set up in 2013, they would get 2013. Since it is now 2014, their MSD will be 2014. ACMs do not inherit your MSD
@FinStar wrote:
@09Lexie wrote:
@RushXTC wrote:Not to be rude or anything, But why does it matter?
It matters if they report the opening date as 2014 on CR's and if they have it in their system internally as 2014.
Exactly, as these accounts are/were technically opened during the 2013 calendar year (even if it's the last month), not officially 2014 yet.
+1 on the these other responses.
In the grand scheme of things for today, it may not appear to mean very much. But, when one is planning for the future and including future AMEX products in one's credit portfolio, it can mean a LOT! Ten years from now, if the OP wants to apply for a new AMEX product, that difference in date can be important in the backdating of new product. Can one year make a difference? Yes, it can, depending on the rest of the mix, for AAofA.
This happened to me as well, Dec 29 approval w/2014 MSD when BCE arrived. It took 2 calls to have it changed to '13 fyi, but happy with the outcome!