Amex backdating - it can be a process sometimes

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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bmw1990Z
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Postby bmw1990Z » Wed Mar 28, 2012 10:21 pm

wow that is awesome. cant wait to get an Amex.
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013


Crashem
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Postby Crashem » Thu Mar 29, 2012 12:19 am

Length of history is the 3rd biggest factor in your credit score. 15%. AAoA and oldest account are the 2 key factors. Hence there are people with lots of AMEX cards.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

American
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Postby American » Thu Mar 29, 2012 8:06 am

Backdating is the reason I went from having no credit to excellent credit in 1 year!

At 22, I opened a Capital One No Rewards Card. The only non-secured credit I could get at the time. 6 Months later I opened a financing card through barclaycard (stupid move), and then I was F' it I'll apply for my dream card a AMEX Gold Premier Rewards card and got it.

I remember on the card it read "Member Since 92." The funniest thing happened when I went to activate the card. The computer voice told me to plug in my last 4, so I did. Then plug in the last 4 letters of my mother's maiden name, and it failed. I was like ... that's my mother's maiden name, so I plugged in my Dad's mother's maiden name and it worked... My Dad and I share the same First and Last name with different middle names. So AMEX pulled my Dad's member account, which he closed in 2002, and applied it to my account. AMEX to this day thinks I was 4 when I opened my first charge card with them. I'm 23 and I have 20+ stellar years of credit history on my report. Thankfully, my dad had absolutely flawless credit history with AMEX.

It's been about 8 months since then, and I have an AMEX Gold Premier, AMEX Blue Cash Preferred, a Chase Sapphire Preferred, a Barclaycard, and a dorky little Capital One Platinum.

I can't thank the backdating enough. If I didn't say it above, thank you AMEX.
American Express '02: Platinum, Blue Cash Preferred 6k, SPG 2k, Delta Gold 1k
Barclaycard '11: Apple Financing Card 2.5k
Citi: Diamond Rewards 1.5k
Chase: Freedom 500
Discover '12: Discover IT 1.5k

Crashem
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Postby Crashem » Thu Mar 29, 2012 8:18 pm

BTW, one caveat on backdating. IT ONLY APPLIES TO AMEX ISSUED AMEX CARDS. There are AMEX cards out there issued by others such as Bank of America AMEX. Basically they are AMEX cards because it is using their transaction system (similar to how VISA/MC work). As a general rule, if you can't find the card on AMEX's website under all cards then it isn't issued by AMEX.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

FutureBillionaire
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Postby FutureBillionaire » Thu Mar 29, 2012 10:15 pm

I swear that I had an Amex through amex when I was in college. I talked to someone in the retention department that couldn't see the card. I'm definitely going to take advantage of this.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Crashem
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Postby Crashem » Thu Mar 29, 2012 11:30 pm

FutureBillionaire wrote:I swear that I had an Amex through amex when I was in college. I talked to someone in the retention department that couldn't see the card. I'm definitely going to take advantage of this.


Going to have to look for proof. Old credit report, old card, old billing statements etc.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

MemberSince99
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Amex backdating

Postby MemberSince99 » Mon Jun 04, 2012 3:01 pm

One of the great features about Amex is backdating. They report that the open date of any new account with them is the same as the date of the first card you opened. With time, as you add new accounts this can REALLY boost your AAoA.

I can personally confirm that when you open a new account with them, years later, it does backdate to the "member since" date you see online. My Zync has reported to the CRAs and it has an open date of 4/1999. Just for anyone who is interested.

JMK
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Postby JMK » Mon Jun 04, 2012 3:38 pm

This is a great feature about amex! One of the many reasons to get one if you don't already, and then get another one down the road to boost your AAoA.
AMEX Blue Cash Preferred
Chase Sapphire Preferred
Discover More
AMEX Zync

bmw1990Z
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Postby bmw1990Z » Mon Jun 04, 2012 3:41 pm

I'm applying for an amex tonight...just curious, is there anyway it could be backdated to the start of my parents amex's? I seem to remember reading a few people on here my age who said thats possible...
Cards in my wallet:

-Citi Forward Card for College Students-July 2011

-American Express Platinum Delta Skymiles--July 2013

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danpass
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Postby danpass » Mon Jun 04, 2012 3:57 pm

I recently got the Delta Gold Amex (for the 35k miles) .............. 1991

:D



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