Amex backdating and application question

[drsmith]

Now I understand for the most part how the backdating works, but I've seen several references to the month.

If I opened my first account in 5/11, and then apply for a card in 1/12, will the backdating show the card as opened 1/11, or 5/11?

Also, AmEx uses the same hard pull if you app on the same day correct? 

[Guava]

We're in the same boat!  Had my zync back in 05/11, just was approved for BCE. I've read here that AMEX backdates the year but not the month, so the month will be the month of application. I'm hoping that's how it'll turn out for my card too

[Anonymous]

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@drsmith wrote:

Now I understand for the most part how the backdating works, but I've seen several references to the month.

If I opened my first account in 5/11, and then apply for a card in 1/12, will the backdating show the card as opened 1/11, or 5/11?

Also, AmEx uses the same hard pull if you app on the same day correct? 

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It will show as 1/11...I applied for 2 new Amex cards this month and both are backdated to 01/04. Regarding the same hard pull, it's only true if both approvals happen the same day. In my case I got 2 hard pulls because it took a few days to approve the second card. 

[drsmith]

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@Anonymous wrote:

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@drsmith wrote:

Now I understand for the most part how the backdating works, but I've seen several references to the month.

If I opened my first account in 5/11, and then apply for a card in 1/12, will the backdating show the card as opened 1/11, or 5/11?

Also, AmEx uses the same hard pull if you app on the same day correct? 

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It will show as 1/11...I applied for 2 new Amex cards this month and both are backdated to 01/04. Regarding the same hard pull, it's only true if both approvals happen the same day. In my case I got 2 hard pulls because it took a few days to approve the second card. 

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Hmmm

Good news on the first one, interesting on the second. 

[pizzadude]

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@Anonymous wrote:

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@drsmith wrote:

Now I understand for the most part how the backdating works, but I've seen several references to the month.

If I opened my first account in 5/11, and then apply for a card in 1/12, will the backdating show the card as opened 1/11, or 5/11?

Also, AmEx uses the same hard pull if you app on the same day correct? 

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It will show as 1/11...I applied for 2 new Amex cards this month and both are backdated to 01/04. Regarding the same hard pull, it's only true if both approvals happen the same day. In my case I got 2 hard pulls because it took a few days to approve the second card. 

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+1.   You will be backdated to the year of your Member Since Date, and the month you app'd for the new card.   So it will show 1/11 date opened.

[Guava]

fusioncredit, how soon after you were approved on your 2nd and 3rd card when they show up on your online account?

[pizzadude]

As soon as you receive the card in the mail you can go online and activate it, and add it to your AMEX online account.

[Guava]

ah, I was thinking it'd be added to my account after a few days of approval, doh. Thanks man!

[pizzadude]

Backdating is awesome. Pretty cool that it will report with over a year of age !

[winstars]

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@Guava wrote:

fusioncredit, how soon after you were approved on your 2nd and 3rd card when they show up on your online account?

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Got approved for AMEX PRG and AMEX BCP on 1/7/12----  currently waiting to them (as of 1/28/12) to show on any report... Any day now I hope, although it can take a cycle or two I'm told...