Z06Biker wrote:I'm a little confused on the backdating. While all my cards say "member since '11," when I check my credit report, it specifically lists the date in which each card was opened (ie. 03/11, 04/12, etc.).
If the exact date of when the card was opened is notated in your FICO account history file, then how is Amex's famous backdating system at work here, besides the little pat on the back from being listed on the physical card?
I believe that the "back dating" is actually a misconception. What everyone is calling "back dating" is actually, as you mentioned, your "member since" year. Personally, I opened my first AmEx card in 2011. All cards since have said "member since 11". Say AmEx partners with, I dunno, EL AL and creates the AmEx EL AL card in 2013. How on earth can they say I've had that card since 2011, when it was only created in 2013? Too many Internet trolls. Sheesh.