Amex & backdating

[Anonymous]

I know there are multiple people that have had the experience of Amex not backdating, and others who have requested replacement cards and saw backdating, but I have a story of a good ol' fashion regular backdating.

I've been teaching one of my employees about CCs and all that I learn on this forum. He has great credit scores and has had an Amex Blue Cash since 2006.

He applied for the Amex Platinum and the Amex Hilton last week, approved for both, received them the other day, and they both say 2006.

So it still must happen, at least in some cases?

[Anonymous]

Nope, they still will report old msd's on cards but won't report that way to the crb's unfortunately

[Anonymous]

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@Anonymous wrote:

I know there are multiple people that have had the experience of Amex not backdating, and others who have requested replacement cards and saw backdating, but I have a story of a good ol' fashion regular backdating.

I've been teaching one of my employees about CCs and all that I learn on this forum. He has great credit scores and has had an Amex Blue Cash since 2006.

He applied for the Amex Platinum and the Amex Hilton last week, approved for both, received them the other day, and they both say 2006.

So it still must happen, at least in some cases?

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The question is: where does it say 2006?   On the card, yes, that hasn't stopped.   The change is what is shown on the credit report.  If that shows 2006, then this would indeed be a counter-example.

[Anonymous]

I suspected that, but hadn't scanned the many pages of those forums.

Yes, it said it on the cards, and hasn't yet updated on reports. But I'll have him look out for next updated report, just cuz...

[Obt3wKLq5t]

The dates on the card don't matter.  It's the dates on the credit report that we care about.  My card from April gave me an open date of 2015.

[Kostya1992]

I think this will take a while for people to get out of the backdating mentality.

AMEX continues to put MSD on their cards which leads many people into thinking their are actually backdating to that year on the CRAs.

[SunriseEarth]

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@Kostya1992 wrote:

I think this will take a while for people to get out of the backdating mentality.

AMEX continues to put MSD on their cards which leads many people into thinking their are actually backdating to that year on the CRAs.

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Correct.   And what's on the CRs is what has been of concern to those with AAoA issues.  

[Anonymous]

My discover card has a member since date too, I assume that would remain the same if i opened a new account. Has nothing to do with back dating, sure would be nice though.

[Anonymous]

The only backdating that matters is the one reported to the CRAs and Amex has stopped that nice little perk. Printing your original MSD on your card and dis playing it on your account online has 0 benefit to us cardholders.

[Anonymous]

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@Obt3wKLq5t wrote:

The dates on the card don't matter.  It's the dates on the credit report that we care about.  My card from April gave me an open date of 2015.

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It matters to me. I love looking at my cards and seeing Member since 80.