No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I'm so happy, they remembered me.
(I think I posted a while back that it was 1998, and oops, checked that card and it was 1999 instead)
So since it shows online, will it affect the PRG date on the credit report?
Yes, as long as you are the primary cardmember
@09Lexie wrote:Yes, as long as you are the primary cardmember
I'm the only one on the account, so Yay! This is awesome news, a brand new account will turn into my oldest account. My original account has since dropped off since I closed it when I became a student (my first daughter happened in the middle of it and it took a while to actually finish. ).
I was curious if they would have remembered me or I would've had to fight to get my real msd. This makes my week!
@n0smirc wrote:I'm so happy, they remembered me.
(I think I posted a while back that it was 1998, and oops, checked that card and it was 1999 instead)
So since it shows online, will it affect the PRG date on the credit report?
Very nice!
Mine still says 2014, so I'm gonna have to have them look for me.
So if I have my own AMEX Blue Sky account since 2005, and someone adds me as an AU on another AMEX, will the new card gets backdated to 2005? Just want to be sure.
@WNA888 wrote:So if I have my own AMEX Blue Sky account since 2005, and someone adds me as an AU on another AMEX, will the new card gets backdated to 2005? Just want to be sure.
Once you lock in your MSD (Member Since Date) the year of subsequent cc's will reflect your MSD. Additional cc's*, will reflect the month of THAT card and the year of your MSD.
If you are a primary cardholder, your CR's will be backdated as well. Amex recently changed their policy to exclude the CR backdating for ACMs - when you become a primary, your CR's would be backdated for YOUR new cc.
*personal cards - business cards it's a YMMV
Just put in a request via chat. The agent said she had to submit it to the team and I'd get a new card if the update was approved. So hopefully that works.
09Lexie, Thank you for your response.
I am a bit confused by this part, "Amex recently changed their policy to exclude the CR backdating for ACMs - when you become a primary, your CR's would be backdated for YOUR new cc."
The reason I am asking is because I applied for an AMEX Blue in 2005, the month I turned 18, and I was instantly approved with no credit history. I was recently added to my brother's AMEX Platinum card as an additional user, but it shows up on all 3 of the credit bureaus as opened in 1/2014.
Is this what you were trying to convey to me in your post? Or is this an error on AMEX's part? Because when the AMEX Platinum card was first sent to me, it said Member Since 2014 but I called AMEX right away and they mailed me a card saying Member Since 2005. It has been 2 months, and it's still listed as opened in 1/2014.
Is the Platinum card supposed to show up as backdated in 2005? If so, how do I get this fixed? Thank you for your time.
*bump
@WNA888 wrote:09Lexie, Thank you for your response.
I am a bit confused by this part, "Amex recently changed their policy to exclude the CR backdating for ACMs - when you become a primary, your CR's would be backdated for YOUR new cc."
The reason I am asking is because I applied for an AMEX Blue in 2005, the month I turned 18, and I was instantly approved with no credit history. I was recently added to my brother's AMEX Platinum card as an additional user, but it shows up on all 3 of the credit bureaus as opened in 1/2014.
Is this what you were trying to convey to me in your post? Or is this an error on AMEX's part? Because when the AMEX Platinum card was first sent to me, it said Member Since 2014 but I called AMEX right away and they mailed me a card saying Member Since 2005. It has been 2 months, and it's still listed as opened in 1/2014.
Is the Platinum card supposed to show up as backdated in 2005? If so, how do I get this fixed? Thank you for your time.
Your MSD will remain 2005. For the purpose of your credit reports, the MSD will not backdate to 2005 unless it's a card that you are the primary cardholder. ACMs do NOT get the benefit of backdated credit reports.
Based on the information you provided, the card you were added to should say 2014 on your credit reports and 2005 on your card and online profile with Amex.