Finally Backdating Success

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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ScoreOnTheRise
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Finally Backdating Success

Postby ScoreOnTheRise » Wed Oct 22, 2014 11:39 am

Back in 1995 when I was still in high school I applied for and got an American Express green. Well, you shouldn't give kids cards, as I was completely irresponsible with it and within a year I blew it and the card was cancelled and I slowly paid it off during my college years. Thus began my credit history.

In 2008 I applied for and received a new American Express green (since upgraded to a PRG card). I was always unhappy with my new "member since" date, having been an old member, and then learned about backdating on this forum a few months ago.

I called Amex and they were unable to find my account. Some reps were more eager to help than others. I subsequently played a game of call center roulette over the next few months calling now and then, but never any real luck. Yesterday, it occurred to me that I might have the old card in an old box of crap from that time. After pulling out boxes from the basement and going through them, I was ecstatic to find the old card in a shoebox full of old concert ticket stubs and other nicknacks.

I called Amex and told them I had the account number and gave it to the rep, but regrettably she was unable to find it and I could tell I was disrupting her day as, unlike some other reps I spoke with, she made no attempt to escalate and probe other archival databases they seem to have.

I was poised to make a photo copy of the card and mail in a letter with it, but before doing that I thought I'd go to Amex's website and chat with a rep online. This rep was immediately helpful, told me he was processing my request with the card replacement department and that if they needed anything from me they would email me. He didn't even ask for the old account number or any other proof.

I got an email later yesterday evening telling me a replacement card is on the way. Then, out of curiosity I log into my Amex account and lo and behold I see "Member Since 1995".

I guess I should be happy, but I wonder if they even found my old account or simply took my word for it and did the backdating. After all my efforts, this seemed to cheapen the result.

Question, will this also change the age of this account in my CR? My statement actually cycles today, so I'm eager to see if this will show up in the next few days on my CR.
American Express PRG [NPSL]
Chase Sapphire Preferred [$25K]
American Express BCE [$20K]
Discover it [$18.5K]
Barclaycard Arrival World MC [$6K]
Citi Diamond Preferred MC [$4K]
Citi Home Depot Consumer Credit Card [$3K]
Citi Best Buy Visa [$2K]


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otter
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Postby otter » Wed Oct 22, 2014 12:03 pm

Congrats... my story closely mirrors yours (except my member since date was '91). The person I chatted with online didn't even hesitate so I doubt they even had any time to check the records- they just took my word for it.

It should update at your next closing date... if it already shows the member since date on the website then I believe it should be almost immediate. I ended up with a 20-30 pt FICO increase even with a few recent inquiries/new accounts and high utilization (caused by $7000 in balance transfer showing up both on old and transferred accounts), so I could easily be in 800 territory really soon.

You might want to apply for an AMEX revolver at the first of the year and that will help your AAoA even more (nothing like opening a new card and having your AAoA jump way up).
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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PlyrStar93
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Location: Chicago

Postby PlyrStar93 » Wed Oct 22, 2014 12:05 pm

If they backdate your account, then it should report the [backdated year]+[actual opening month] on your credit report.

It might have this information updated when the cycle closes, I can't provide information about it. But if not on this cycle then see if it's updated on the next cycle. You may contact their credit bureau department directly instead of the regular customer service number on the back of your card when talking about backdating on the credit report.

Anyhow, congratulations on the successful backdating and this is really a good story to share with us.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

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ScoreOnTheRise
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Postby ScoreOnTheRise » Sun Nov 09, 2014 12:56 am

otter wrote:You might want to apply for an AMEX revolver at the first of the year and that will help your AAoA even more (nothing like opening a new card and having your AAoA jump way up).


Is there any significance to applying after the first of the year, or do you just mean to delay a few months?
American Express PRG [NPSL]
Chase Sapphire Preferred [$25K]
American Express BCE [$20K]
Discover it [$18.5K]
Barclaycard Arrival World MC [$6K]
Citi Diamond Preferred MC [$4K]
Citi Home Depot Consumer Credit Card [$3K]
Citi Best Buy Visa [$2K]

DONx3
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Joined: Sat Jul 06, 2013 11:04 pm
Location: CO

Postby DONx3 » Sun Nov 09, 2014 5:47 am

I am waiting for CarefulBuilder14 to *roll his eyes again*
Amex Blue Cash Everyday 7/01
Amex Starwood Preferred Guest 3/16
BOA Cash Rewards Visa Sig 6/07
Chase Freedom Visa Sig 12/13
Chase Freedom Unlimited Visa Sig 7/13
Chase Ink Plus Visa Sig 5/16
Chase Sapphire Reserve Visa Inf 2/17
Discover It 1/14
IHG RC World MC 12/14
Southwest RR Plus Visa Sig 8/16

popamode72
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Location: Atlanta, GA

Postby popamode72 » Sun Nov 09, 2014 7:04 am

Nice job there. I've heard so many great things about backdating and I'm eager to go for another Amex in January to take advantage of it. I really need it to give my AAoA and FICO scores a boost.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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otter
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Postby otter » Sun Nov 09, 2014 7:30 am

DONx3 wrote:I am waiting for CarefulBuilder14 to *roll his eyes again*


I think he's kind of made his peace with backdating (maybe).
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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otter
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Posts: 639
Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Sun Nov 09, 2014 7:32 am

ScoreOnTheRise wrote:Is there any significance to applying after the first of the year, or do you just mean to delay a few months?


When a card backdates... it uses the month the card was backdated along with the member since date. So in my case, my PRG I got this year in March shows as being older than the BCE I got five month earlier. So applying for an Amex two months from now will help your AAoA more than applying now.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Nov 09, 2014 11:23 am

otter wrote:I think he's kind of made his peace with backdating (maybe).


My views have not changed, but there's no point in repeating them to the same group of people that understood them the first time.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Nov 09, 2014 10:25 pm

While wondering why the OP wouldn't have closed the Credit One account already, I did a little further research on the bank.

I had heard others mention it before, but I didn't really understand the full extent to which Credit One was trying to imitate Capital One:

1. Both banks have a major part of their business in credit cards for subprime customers.

2. It was called the First National Bank of Marin from 1984 until 2006 when it became Credit One - a name close to the already well-established Capital One (which has been using its current name since 1994).

3. The logo is eerily similar.

I guess I'm late to the game on this one.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May



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