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Nervous about asking for Amex to backdate....what do you all think?

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movingonup23
Valued Member

Re: Nervous about asking for Amex to backdate....what do you all think?

When I applied for the bce it didn't automatically back date to my past account that had been charged off in 2008. I called and asked them to change my member since date and they looked up the old account and made the change on my new account. My charge off was paid settled for less than full balance to a collection agency.
Message 11 of 38
-Wade-
Valued Contributor

Re: Nervous about asking for Amex to backdate....what do you all think?


@newmomnewme wrote:

Smiley Happy Thanks All. So I tried to set up my accounts on-line and its saying that my 4 CID is incorrect.  

 

I will simply wait to get my cards and proceed as suggested. Thanks for the words of encouragement. 

 

@wade64, you were supposed to tell me to get back to the garden! I app'd for Chase (high off the Amex approvals) and got the "review" message.  Smiley Sad


Thanks for reminding me !!!! Now get back to the garden ASAP Smiley Wink

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 12 of 38
rebroker212
Established Member

Re: Nervous about asking for Amex to backdate....what do you all think?

Got an AE JetBlue  card last year, my statement had member since date of 1996 but the card said 2013, called and asked for new card with 1996 date, they sent new card with backdate right away

Message 13 of 38
-Wade-
Valued Contributor

Re: Nervous about asking for Amex to backdate....what do you all think?


@rebroker212 wrote:

Got an AE JetBlue  card last year, my statement had member since date of 1996 but the card said 2013, called and asked for new card with 1996 date, they sent new card with backdate right away


Congrats Smiley Happy WTG

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 14 of 38
noobody
Established Contributor

Re: Nervous about asking for Amex to backdate....what do you all think?

my card MSD was 13,after my BCE approval last year, it change to 95 in about a week later, i ask a card with emv chip, they sent me a new card with mds OF 95 

 

it may take a week or so to get msd updated, i would wait a little while before calling

EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841
Message 15 of 38
Boragard
Established Contributor

Re: Nervous about asking for Amex to backdate....what do you all think?

I requested my MSD change via an online chat before my cards arrived.  

Message 16 of 38
takeshi74
Senior Contributor

Re: Nervous about asking for Amex to backdate....what do you all think?

Check your MSD online once you're set up.  Neither my nor my wife's initial BCP cards were dated correctly.  MSD, however, was correct online for both of us and the replacements had the correct date.

Message 17 of 38
newmomnewme
Valued Contributor

Re: Nervous about asking for Amex to backdate....what do you all think?

I am having trouble adding the cards online, so I will call them today and ask them to help out. I was able to set up the online account, but couldn't add any cards....maybe I should wait 24 as it said it would be ready within 24 hours....no worries. Still happy about the approvals.

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Message 18 of 38
titanofold
Established Contributor

Re: Nervous about asking for Amex to backdate....what do you all think?

Yes, wait a day. My understanding is that it usually takes a business day or two for them to create the TL account for you.

Scores2013-09-21Current
Equifax630 (LP)755 (CK)/749 (Quizzle)
Experian640 (FCR)FICO 707 (Amex)
TransUnion588 (CK)FICO 754 (Barclaycard)
Message 19 of 38
newmomnewme
Valued Contributor

Re: Nervous about asking for Amex to backdate....what do you all think?


@titanofold wrote:

Yes, wait a day. My understanding is that it usually takes a business day or two for them to create the TL account for you.


Thanks. I just set it up yesterday...I will try again tomorrow; I just got an email saying my BCE was on the way. What about my PRG? J/K....I am just so worried that they are going to say "nevermind" or "we made a mistake" LOL

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Message 20 of 38
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