Not sure if anyone has a DEFINITIVE answer on AMEX back dating? But say back dating still worked the same way that it did. Would a "Partner" card like this also be back dated to your original membership date? Or would a new "Member Since" date be established?
I got my first AMEX back in 1998, and have had two other cards back dated since. And I have a FNBO MC allready. This seems like a great offer from my perspective, but want to ensure that any new cards help my score rather than just my ego.
@Anonymous wrote:
Just got my answer...declined with 810 FICO, 3 inq, and over 100k income with well over that in investment accounts...I do have 3 new cards in the last 2 months so maybe that's what scared them off, who knows
Wow, really sorry to hear about the decline there brclark 
I don't understand at all why in the world they'd deny you; you seem to have a super-stellar, outstanding score and minimal inquries?
J/w, is it possible maybe that FNBO has somehow tightened their underwriting and lending criteria, after they limited the ability to apply for the card to certain states? When I applied and was approved on 4/4 before the new geographical limitations for apps, I had over $130k in total HHI, over $50k in investment income, and 4 other new cards received within the past 6 months, but also with 65% total revolving utilization -- so perhaps maybe they have tightened the underwriting requirements; just a possible guess?
It is really sad when someone who has a credit profile as excellent and top-notch as yours is declined, IMO...people with 800+ credit scores definitely deserve to be treated better, by the card issuers when they apply!
@Anonymous wrote:
Maybe they are declining everybody.
J/c, have you hopefully had any luck with your mother's recon request there Nixon? I truly and genuinely hope that they will approve her on recon...someone with her first-rate credit rating definitely deserves it!) Anyway, good luck & best wishes on the recon, again really hope that your mom has the card coming to her mailbox, very soon! 
