Question about member since date

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Irish80
 
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Question about member since date

Postby Irish80 » Tue Nov 18, 2014 3:21 pm

This is my first post and I apologize if this is a dumb question. Today I applied for and was approved for the PRG and EveryDay Preferred card. Back in 1989 I had the gold card for several years and then the Optima card for about a year before I closed both due to a divorce. I just spent some time on chat with a person who seemed very helpful and he stated that he was going to change both cards to reflect a member since date of 1989 and the new cards would reflect that. However when I log into my account it still says member since 2014.

I guess my question is whether I should be confident that the cards will be changed and more importantly reported that way to the CRAs. Anyone else have experience with this? I know the easy answer is to wait until I see the cards but I figured it would be better to address the issue before they send the cards out.


Battery111
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Postby Battery111 » Tue Nov 18, 2014 5:43 pm

I would be pretty confident they will adjust the date and yes it will report that way to the cra's. There's been guys on here who were able to get their cards backdated when they were previously closed on bad terms. Sounds like you left amex on good terms so no reason to believe they won't backdate. Also even if they send the cards with the wrong date I'm sure they will overnight new ones to you with the correct date
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thom02099
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Postby thom02099 » Tue Nov 18, 2014 6:07 pm

Yes to both your questions, if they can find your data from 1989 to support and correct your Member Since date. You'll likely get replacement cards, and your on line account will likely update, perhaps as early as tomorrow (AMEX seems to update files overnight).

I have 4 cards with MSD going back to 1991, which is when I had a previous account that lapsed. My original MSD was actually in the mid-70s with my very first AMEX Green card, but when I went to apply for my most recent cards, they could not find data to support the MSD change to 1976 -- only 1991. Still, having 4 cards that are showing as 23 years old is fine with me.
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Brad Bishop
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Postby Brad Bishop » Wed Nov 19, 2014 6:33 am

I'd also give their computers time to update everything so if you just hung up the phone with a CSR and then looked online it probably wouldn't reflect it. I'd expect it to reflect it within 24hrs, though.

takeshi
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Postby takeshi » Wed Nov 19, 2014 8:29 am

Irish80 wrote:I guess my question is whether I should be confident that the cards will be changed and more importantly reported that way to the CRAs. Anyone else have experience with this?

I wouldn't worry about it. As you said you'll have to wait and see to confirm. The online MSD tends to get updated relatively quickly but I'd still give it some time. Some have had to make multiple attempts to get their MSD backdated. We can't tell you what your situation is since we don't have access to their systems to verify. However, if they're already processing your MSD change then calling and nagging them about it isn't going to help. So we're back to "wait and see".

Irish80 wrote:I know the easy answer is to wait until I see the cards but I figured it would be better to address the issue before they send the cards out.

I can understand wanting the MSD reflected on the cards but for CRA reporting it really doesn't matter what is printed on the cards. Initial cards rarely reflect backdating from my experience and what I've seen posted. Your replacements should have the correct MSD.



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