Adding new Amex to help out AAoA

[Anonymous]

I am thinking of adding a new Amex Card to help offset a few new TL.  Can you get bonus offers on another card? Has anyone else done this? Also, my member since date is 2001.  Thanks in advance

[Anonymous]

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@Anonymous wrote:

I am thinking of adding a new Amex Card to help offset a few new TL.  Can you get bonus offers on another card? Has anyone else done this? Also, my member since date is 2001.  Thanks in advance

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Yes.

Apply incognito!

[Anonymous]

Thanks Nixon.  I just wanted to make sure that I can still get a bonus.

[Anonymous]

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@Anonymous wrote:

Thanks Nixon.  I just wanted to make sure that I can still get a bonus.

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I'd wait until January though if you're going to do it for max backdate.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Thanks Nixon.  I just wanted to make sure that I can still get a bonus.

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I'd wait until January though if you're going to do it for max backdate.

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+1

[MyDataMyChoice]

why is waiting till Jan better for backdating

my mom has her accounts since 1990 - cancelled in 2012

She wanted to reopen a  delta gold , and PRG charge

Will the all report seperately?

Also, she onyl had the green charge before.... does she also have to reopen that one?

Her score is just over 700 mark

Citi TYP WMC $13380 (Opened 1989)

Chase Freesom VS $8000 Opened 2007

Cache VS (US BANK) $5100 (Opened 2012)

Macys $2900 Year Opened 1996

Sov Bank LOC $2000 Year Opened 1999

Express $1750 / Bal 0 (opened 2007)

====End of 0.00 Balance Cards====

NASA FCU $30,000 (she just Balance Transfered all above cards to this $28,800)

Loft $3500 / Bal $1500

Pottery Barn $9850 / Bal $3500

Victorias Secret $1600 / bal 400

GAP Visa $2200 Bal 2000

Plus loads of closed accounts with good age and LARGE Limits

She has 1 Collection showing on equifax and transunion from a business amex product PAID IN FULL 2012

She has 1 Collection showing from saint leo university CONSERVE collections.... $1200 PAIF IN FULL 2012

and 3 30 day lates on santander Line if credit....

her score is currently just over 700

[Anonymous]

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@JTC403 wrote:

why is waiting till Jan better for backdating

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The new card gets the current month and the backdated year.   So if you got the card tomorrow, it would date from Nov 2001.  If you got it in Jan, it would date from Jan 2001

So yes, it maximizes backdating, but as soon as you have any number of accounts the difference is very small.  So if you want a card because you will use it for rewards/perks etc, waiting doesn't usually make a whole lot of sense.   Or if you need some backdating for an app you need to do soon, again don't wait.   But if th goal is to just generally increase AAoA, apping In Jan makes the biggest difference

[MyDataMyChoice]

Never Knew that... awesome!

Thanks!

[Anonymous]

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@JTC403 wrote:

Never Knew that... awesome!

Thanks!

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Now you do!