I have an AMEX card that I got in May and I was able to have it backdated to 2009 MSD but after 4 reporting cycles it still shows as 5/2013 open date on my credit reports.
My login shows 2009 MSD and they did send me a new card with the 2009 date.
I was planning to call AMEX credit reporting dept to see if I can get the CR to match the 2009 date. Im just not sure exactly what to say when I call.
Was thinking along the lines of.....my new card, account number so and so has my correct member since date but for some reason the reporting on my CR is not reflecting this accurately. Can you adjust the credit reporting for this card so that it accurately reflects my member since date?
Is that an appropriate way to ask?
@IWOL
Are you the primary cardholder?
Are you the primary cardholder?
Lexie, no this is an AU account. They backdated my AU account to my MSD from my Platinum Business Card.
I had my sister add me as an AU with the hope that I would get the benefit of the backdating. I dont have the the profile yet to qualify for my own personal AMEX. Still trying to understand all the ins and outs of backdating.
If I cant get the CR reporting to reflect the 2009 date then I would be better of just removing myself as an AU an dperhaps I will still be able to hold on to the 2009 MSD for when I do get my own AMEX. If I remove myself as an AU will that remove/delete the reporting from my CR or do I need to also take more steps to get it removed?
@IWOL
The backdating on CR's is reserved for primary cardmembers. Removing yourself now will not remove it from your CRs. You've taken the hit for the AAOA and unless you can request Amex to delete the account entirely, it will remain on your CR's.
The backdating on CR's is reserved for primary cardmembers. Removing yourself now will not remove it from your CRs. You've taken the hit for the AAOA and unless you can request Amex to delete the account entirely, it will remain on your CR's.
@09Lexie wrote:
@IWOL
The backdating on CR's is reserved for primary cardmembers. Removing yourself now will not remove it from your CRs. You've taken the hit for the AAOA and unless you can request Amex to delete the account entirely, it will remain on your CR's.
lexie is right about MSD for ACH, hopefully this time with my new bcp that i am primary on i will be able to get it backdated. only time will tell . its two months before its starts reporting to CR is that correct?
I also have qs about backdating
My DW added me to her Delta amex as aun AU on May this year.
I then got my own PRG on Sept 5th and on my CR the opening day is sept 5th not May.
If I call and ask will they change the MSD to may? Or am I bugging too much for 4 months :-)
My DW added me to her Delta amex as aun AU on May this year.
I then got my own PRG on Sept 5th and on my CR the opening day is sept 5th not May.
If I call and ask will they change the MSD to may? Or am I bugging too much for 4 months :-)
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@zerobacan
It's the same answer I gave IWOL. The backdating only works on your primary card.
It's the same answer I gave IWOL. The backdating only works on your primary card.
@Lexie but we see post from people all the time saying they get their MSD backdated to when they were added as Au in their parents and spouses... sorry I don't get it :-(
The difference is they are now getting their own cards and every card will be backdated to the year when they were an ACM. If they were still ACM's it will not backdate their cr.