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Chase backdating/ MSD?

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vygotsky
Contributor

Chase backdating/ MSD?

I have had my freedom since 12/2013. I just got my Slate and the MSD on the card is 2015 Smiley Sad

My question is has anyone backdated a Chase card similar to how Amex does it. Would love this for my AAoA.

FICO 733 (Discover)
Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: Chase backdating/ MSD?

Nope.  Amex is the only company that does it.

Message 2 of 7
Anonymous
Not applicable

Re: Chase backdating/ MSD?


@vygotsky wrote:

I have had my freedom since 12/2013. I just got my Slate and the MSD on the card is 2015 Smiley Sad

My question is has anyone backdated a Chase card similar to how Amex does it. Would love this for my AAoA.


Nice thought but not going to happen.

Message 3 of 7
CreditCuriosity
Moderator Emeritus

Re: Chase backdating/ MSD?

Still wonder how Amex is the only company granted this godly power to do this.

Message 4 of 7
chalupaman
Super Contributor

Re: Chase backdating/ MSD?


@vygotsky wrote:

I have had my freedom since 12/2013. I just got my Slate and the MSD on the card is 2015 Smiley Sad

My question is has anyone backdated a Chase card similar to how Amex does it. Would love this for my AAoA.


Not a snowball's chance there, pal. 

 

Sorry.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 5 of 7
ksantangelo23
Frequent Contributor

Re: Chase backdating/ MSD?


@CreditCuriousity wrote:

Still wonder how Amex is the only company granted this godly power to do this.


Are they "granted" the power? Smiley Happy I believe credit bureaus just report what they are given, so it's up to Chase to change their own policy.

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 6 of 7
CreditCuriosity
Moderator Emeritus

Re: Chase backdating/ MSD?


@ksantangelo23 wrote:

@CreditCuriousity wrote:

Still wonder how Amex is the only company granted this godly power to do this.


Are they "granted" the power? Smiley Happy I believe credit bureaus just report what they are given, so it's up to Chase to change their own policy.


Pretty sure AMEX is the only one with this abilitty for whatever reason...  Other lets say crappy lenders such as FP would be doing this to get customer lol...  Something they have worked out with the CRA I believe that others can't, obviously I could be 100% wrong...Huge selling point for Amex product though, so they are doing something right.

Message 7 of 7
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