Interesting AMEX Optima Development - Does This Mean AMEX Still Backdates?

[Repairman]

So, I got an AMEX Optima rebuilder a little over a year ago and on my bills and online it was backdated to 2006. Now, I've seenall over this board how AMEX has since stopped backdating cards. Now, I received an alert a couple of weeks ago that new activity was on a card that I had not used in over a year, when I investigated what card it was...it was my Optima (dated since 2006 on my cr) - which baffled me as I use it every month.

Anyway, right before receiveing that alert, I received a new Optima card in the mail with a chip. I was just doing some cleaning and realized I hadn't yet shredded the old Optima card, but I noticed something interesting...the old Optima was actually dated "Member Since 2014," but the new Optima with chip is dated "Member Since 2006." 

Could this mean, after a full year with the card, AMEX just backdated the card? Is that why I got a Fico alert that a card I hadn't used in a year has new activity? Is the card showing up like the previous AMEX I had since 2006, which the Optima replaced?

Any thoughts?

[Anonymous]

It was always backdated, but Amex whips out the cards so quickly that when it was initially issued it had the actual approval date on it. With both of my cards I had to do chat to get the backdate on the cards, even though it already showed online. You got your card before Amex nixed the backdate reporting to the CRA's.

[Repairman]

---

@Anonymous wrote:

It was always backdated, but Amex whips out the cards so quickly that when it was initially issued it had the actual approval date on it. With both of my cards I had to do chat to get the backdate on the cards, even though it already showed online. You got your card before Amex nixed the backdate reporting to the CRA's.

---

That makes sense, however, that still does not explain why I got a Fico alert saying that I had activity on the card for the 1st time since a year ago, which is clearly not true.

[Repairman]

Any ideas from anyone?

[sjt]

---

@Repairman wrote:

Any ideas from anyone?

---

Its most likely a FICO issue and not Amex.

[Repairman]

---

@sjt wrote:

---

@Repairman wrote:

Any ideas from anyone?

---

Its most likely a FICO issue and not Amex.

---

What does that mean? What kind of "issue" could that be? Fico shows what the cc's are reporting to them. I find it odd that right after I got a new cc with chip with a new Member Since date printed on it, and I use the card, I get an alert saying I'm using it for the 1st time after months of non activity.

[jsucool76]

---

@Repairman wrote:

---

@sjt wrote:

---

@Repairman wrote:

Any ideas from anyone?

---

Its most likely a FICO issue and not Amex.

---

What does that mean? What kind of "issue" could that be? Fico shows what the cc's are reporting to them. I find it odd that right after I got a new cc with chip with a new Member Since date printed on it, and I use the card, I get an alert saying I'm using it for the 1st time after months of non activity.

---

The alert could have just been an error. The same way people get alerts that their scores dropped 40 points due to a derog falling off. lol. 

[sjt]

---

@Repairman wrote:

---

@sjt wrote:

---

@Repairman wrote:

Any ideas from anyone?

---

Its most likely a FICO issue and not Amex.

---

What does that mean? What kind of "issue" could that be? Fico shows what the cc's are reporting to them. I find it odd that right after I got a new cc with chip with a new Member Since date printed on it, and I use the card, I get an alert saying I'm using it for the 1st time after months of non activity.

---

It could be a FICO alert error. I would call them up to clarify. It could also be an alert based on using your newly issued Optima Card that you recently received.

[Repairman]

---

@sjt wrote:

---

@Repairman wrote:

---

@sjt wrote:

---

@Repairman wrote:

Any ideas from anyone?

---

Its most likely a FICO issue and not Amex.

---

What does that mean? What kind of "issue" could that be? Fico shows what the cc's are reporting to them. I find it odd that right after I got a new cc with chip with a new Member Since date printed on it, and I use the card, I get an alert saying I'm using it for the 1st time after months of non activity.

---

 It could also be an alert based on using your newly issued Optima Card that you recently received.

Well, that's what I'm saying, because it came after I used that newly issued Optima. Question, just is, why would that trigger such an alert.

[sjt]

It could be the settings from MyFico that triggered the alert. I would contact MyFico and inquire about the alert you received.