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Amex backdating - what is it?

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kroberts67
Established Contributor

Amex backdating - what is it?

I thought that backdating meant that Amex will backdate any new cards to any previous Amex card you may have already have with them.  However, I just saw that a poster had no cc's but later got 2 Amex, both backdated to 1988.  So, what is this Amex backdating all about?

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 1 of 14
13 REPLIES 13
john398
Senior Contributor

Re: Amex backdating - what is it?


@kroberts67 wrote:

I thought that backdating meant that Amex will backdate any new cards to any previous Amex card you may have already have with them.  However, I just saw that a poster had no cc's but later got 2 Amex, both backdated to 1988.  So, what is this Amex backdating all about?


Maybe he had a corporate card previously with AX, I know they backdated my personal card to my corp card date

Message 2 of 14
sjt
Senior Contributor

Re: Amex backdating - what is it?

Your right about backdating.

 

the previous poster you read about probably had a Amex card that they got back in 1988.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 3 of 14
Blackrv7
Frequent Contributor

Re: Amex backdating - what is it?


@kroberts67 wrote:

I thought that backdating meant that Amex will backdate any new cards to any previous Amex card you may have already have with them.  However, I just saw that a poster had no cc's but later got 2 Amex, both backdated to 1988.  So, what is this Amex backdating all about?


That would have been me I suppose.  I had an Amex previously in 1988.  The two new Amex I just got were both backdated to my original Amex card member since date.  If you prevously had a Amex card, any new Amex card you get will be backdated whether you still have that original card or not.  My new cards did not come backdated, I had to call them and they sent backdated replacement cards.


Current myFico EX 734, EQ 777, TU 742
AAoA 6 years 3 months, Length 25 years 2 months

Message 4 of 14
kroberts67
Established Contributor

Re: Amex backdating - what is it?

Ah ok.  Thank you.  Does another company's Amex count, such as USAA's Amex?

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 5 of 14
sjt
Senior Contributor

Re: Amex backdating - what is it?

No

Only cards issued by Amex.
American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 6 of 14
Kenny
Moderator Emeritus

Re: Amex backdating - what is it?

Better way to word is is keeping your member since date. Amex doesn't like the term backdating. Smiley Happy

Message 7 of 14
ksantangelo23
Frequent Contributor

Re: Amex backdating - what is it?

I've been having a far fetched thought recently, I highly doubt it would work, but im wondering if its possible to have my 2013 AMEX card backdated to 2001 to match my grandmothers original AMEX account that has been closed since 2006 - but shes only an authorized user on my card. hmm.

AMEX Hilton Ascend: $55,000 | Chase Sapphire Reserve: $30,000 | PNC Points: $17,500 | AMEX BCE (AU): $18,000 | AMEX BCP: $15,000 | US Bank Cash+ $15,000 | AMEX Business Prime: $14,000 | AMEX SimplyCash: $12,000 | Capital One QS: $13,500 | Chase Business Ink: $12,000 | PNC Everyday (AU): $12,000 | JCPenny Store Card: $10,500 | Chase Slate: $9,400 | Capital One QS: $6,500 | (2nd) US Bank Cash+ (2nd): $7,500 | Discover IT: $6,000 | Chase Freedom: $3,500 | Auto Lease: $0/$21,000 | Auto Loan: $0/$18,000 |

TU: 818 EX: 809 EQ: 801

Message 8 of 14
09Lexie
Moderator Emerita

Re: Amex backdating - what is it?


@ksantangelo23 wrote:

I've been having a far fetched thought recently, I highly doubt it would work, but im wondering if its possible to have my 2013 AMEX card backdated to 2001 to match my grandmothers original AMEX account that has been closed since 2006 - but shes only an authorized user on my card. hmm.


Unless you were a cardmember in 2001, it will not work.  It will work for your grandmother. 

Message 9 of 14
Shock_
Frequent Contributor

Re: Amex backdating - what is it?

Hmmmm...so in theory, getting a backdated AMEX card will not hurt your AAOA correct?

Capital One Quicksilver MC $3000 6/2011 | Chase Amazon Visa $1400 8/2012 | Citi Diamond Preferred MC $4200 7/2013 | AMEX Green NPSL 8/2013 | Chase Freedom $1000 Visa 8/2013 | AMEX BCE $7000 2/2014 ==> 2/2013
Message 10 of 14
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