@Ubuntu wrote:I've read dozens of Amex backdating threads and I'm still not quite sure about the best time to attempt backdating.
To start I had an Amex that was opened in 1994 and was closed in 2002 for being a few months delinquent. I paid it off shortly thereafter and it appeared on my credit reports for years as "Pays as Agreed" and "Closed by Credit Grantor". I do have the original account number.
Yesterday I was approved for both a PRG and a BCP. As of right now I can login and see the PRG but the BCP doesn't appear yet.
The member since date at the top of the screen currently says 2014. That makes it look like my account didn't auto backdate as I was hoping it would. Since I just applied yesterday and the BCP doesn't even appear it seems possible that the process hasn't completed yet and the backdate could still happen on it's own.
My question is should I be patient and wait until I get both of my cards in the mail before trying to get the backdate or should I do it ASAP before they waste the effort of producing cards that will just need to be reissued in a few weeks (hopefully)? I'm sure the cost is negligible to them based on the bonus offers they give but I hate to see wasted effort. I'd also like to avoid the accounts reporting with a 2014 open date and then changing to an earlier one. I don't know if that would hurt me at all but I'd still prefer to avoid it.
I know I could just call and ask so what I'm looking for is advice to avoid rocking the boat. Thanks.
The cards ESP the PRG -are already produced. You can notify them now but they will not reship corrected cards until 10 days after the original set due to security. If I were you, I would just wait and do it at once- save yourself two calls/chats
It's never a bad idea just to do it on chat -- very easy and painless process. They normally also send you replacement cards without notifying you that arrive via Fedex or UPS quite quickly. This is the method I usually 100% recommend.
@Marcos8 wrote:I've had my BCP since October and I called them practically immediately to tell them that I had a previous relationship w Amex and actually received my backdated card in the mail even before the original card. I waited about 48hr after my approval to call them.
Ok but the OP has two cc's coming and the PRG ships expedited. He'll have to call back after ten days to have the date corrected. If he doesn't care about the dates on the cards, then he can call now.
Pardon my ignorance, but I'm still trying to understand why this matters. I also had an AMEX account when I was in college. What is the benefit to me of having my new AMEX cars backdated to 1999?
"The correction will also happen on you credit reports. Meaning that if you have a low AAOA, and a massive backdated card, your AAOA will increase significantly and so will your score."
Now THAT is worth it. Calling them NOW! Thank you!
Now THAT is worth it. Calling them NOW! Thank you!
So that didn't go well. I was told that since I wasn't an AMEX cardholder that entire time, my Member Since date stands as it is.