Re: Another Amex Question

Anonymous · ‎07-11-2012

I applied for the Zync card on sunday and was approved. Today I logged in and it says member since 1999. I had a card back then. My question is how will show on my credit report?

Exonumist · ‎07-11-2012

My understanding is that it will show as whatever month you apply and then the original member year. So July of 1999. Somebody please correct me if I'm wrong though.

pizzadude · ‎07-11-2012

@Default4 wrote:
My understanding is that it will show as whatever month you apply and then the original member year. So July of 1999. Somebody please correct me if I'm wrong though.

That is correct. The date opened for your ZYNC card will show July 99 on your credit reports.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

RockinRay · ‎07-11-2012

@Default4 wrote:
My understanding is that it will show as whatever month you apply and then the original member year. So July of 1999. Somebody please correct me if I'm wrong though.

Yes, this looks to be corrrect.

Ray

** Every Card has a Job, and Every Card does its Job **

emptypockets · ‎07-11-2012

@Anonymous wrote:

I applied for the Zync card on sunday and was approved. Today I logged in and it says member since 1999. I had a card back then. My question is how will show on my credit report?

AMEX backdated you to the time of you other card. It should report as opened in July (month of app), and the year as 1999. So you just added a 13 yr old card to you credit. Depending on your report, this should give you a nice bump in AAOA (average age of accounts).

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797

Repo-ed · ‎07-11-2012

Have had my zync for just shy of 2 months, and it has yet to begin reporting on any of my CRs.

Ugg...

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

Anonymous · ‎07-11-2012

@RockinRay wrote:
@Default4 wrote:
My understanding is that it will show as whatever month you apply and then the original member year. So July of 1999. Somebody please correct me if I'm wrong though.
Yes, this looks to be corrrect.

I get so jealous of people who backdate their AmEx cards 10+ years haha. I wish I opened an AmEx in high school. Congrats OP!

Anonymous · ‎07-11-2012

me too..I wish I knew someone that could add me on theirs..LOL

I'd love 13 yrs backdating..

Anonymous · ‎07-11-2012

Hey congrats on the approval and the nice backdateing!!!

Another Amex Question

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Another Amex Question