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citi possible backdating???

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Anonymous
Not applicable

citi possible backdating???

Posted my long run at Citi backed card and approval on Exxon last night. Set up access to dashboard.. complete except for card expiration. Will need card to be here.
Then I notice it lists member since 1999!
Sure enough..both emails from Citi say same thing from last night...member since 1999
Be huge gain if that shows on my CRAs somehow.
Anyone ever had this oddity show up?
Message 1 of 14
13 REPLIES 13
-Cal-
Valued Contributor

Re: citi possible backdating???

Nope, Citi didn't backdate me. Don't think they do it at all. 

Message 2 of 14
NRB525
Super Contributor

Re: citi possible backdating???

That would be nice. My Diamond Preferred says 2012 even though I have two closed cards still paying balances with year 2000 open dates.

 

What is your entire history with Citi? Which card(s) did you open in 1999, and what is the life history of that card an any other cards you've had with Citi?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 3 of 14
jsucool76
Super Contributor

Re: citi possible backdating???

Wells fargo does the same thing, but it doesn't backdate on the credit reports. 

 

Its just saying "you've been a customer of ours since XXXX" 

Message 4 of 14
Anonymous
Not applicable

Re: citi possible backdating???

Think I had a gas card years ago..was on parents Citi cards for several years during late 90s. Dont recall anything else.
Message 5 of 14
Anonymous
Not applicable

Re: citi possible backdating???

All would have closed in good standing.
Message 6 of 14
NRB525
Super Contributor

Re: citi possible backdating???

I'm guessing it is something to do with the gas card web site.

I'm not seeing any reference to "member since" on the AccountOnline where regular Citi cards are listed.

 

Edit: For each monthly statement, it does reference "Member since", 2000 for the closed Citi card, 2000 for the closed AT&T Universal card, and 2012 for the Diamond Preferred, so not sharing the Member Since date in those cases. It also says the member since date on each card.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 7 of 14
CenturyChild
Frequent Contributor

Re: citi possible backdating???

I was wondering about this as well.

 

The reason I say that is I just got approved for a Citi backed card, and it says member since 1999 as well on my emails.

 

Thing is,  this is my first dealing with Citi ever. 

I honestly can not remember ever being a customer of theirs.  i just figured it was a minor error.

Message 8 of 14
Anonymous
Not applicable

Re: citi possible backdating???

WOW! Small maybe for us...can't wait to get the cstd and see it report. Ty for info.
Message 9 of 14
jsucool76
Super Contributor

Re: citi possible backdating???

It won't backdate on your reports. 

 

And is it possible you had a store card with citi, or maybe a card that was bought by citi, or possibly were an AU on a citi card? 

 

The reports won't backdate, and the member since date is essentially just for looks. 

Message 10 of 14
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