How does the AmEx "member since" date work?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
12 posts
dlgoldamex
Gold Member
Gold Member
 
Posts: 31
Joined: Mon Apr 30, 2012 4:01 pm
Location: MA

How does the AmEx "member since" date work?

Postby dlgoldamex » Mon Apr 30, 2012 4:06 pm

Hi, I've been lurking on here for a while, but this is my first post!

Anyway, I just received my Delta Gold Amex card today, and I'm an authorized user. I was wondering if the member since date will apply to my Amex cards in the future?

Thanks in advance!
Gold Delta Skymiles -AU- $25k- 4/12
Citi Forward Visa- $6.1k- 8/12
Amex Gold Delta Skymiles- $3.8k- 1/13
BofA Travel Rewards Visa Sig- $5k- 1/13
Amex Blue Cash Everyday- $5k- 7/13
Barclaycard Arrival WEMC- $5k-1/14
Cap One Quicksilver Visa Sig- $10k- 4/15


JCarter
Centurion Member
Centurion Member
 
Posts: 323
Joined: Thu Mar 15, 2012 10:40 pm
Location: Virginia

Postby JCarter » Mon Apr 30, 2012 10:59 pm

Member since applies to all cards, and should you leave AmEx and return, it will apply to those cards as well.

CC Deville
Centurion Member
Centurion Member
 
Posts: 1067
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Wed May 02, 2012 3:35 pm

dlgoldamex wrote:Hi, I've been lurking on here for a while, but this is my first post!

Anyway, I just received my Delta Gold Amex card today, and I'm an authorized user. I was wondering if the member since date will apply to my Amex cards in the future?

Thanks in advance!


Since you are an additional cardmember (AMEX speak for authorized user) your Member Since date starts the date you became the additional cardmember. For example, if you were just added in 2012 to this Gold Delta Skymiles card and you open your own Amex in 2013 then your card (opened on your own) should report as Member Since 12.

Your Member Since date will not be the same as the primary cardholders'.

DoingHomework
Centurion Member
Centurion Member
 
Posts: 707
Joined: Tue Sep 22, 2009 1:15 pm
Location: Arizona

Postby DoingHomework » Thu May 03, 2012 1:03 am

While I don't doubt that what has been said is true, my first Amex card was in the late 1980s, through my job. I had it until 1994. I then had an Amex through a different job from 1996 through 2005. But my Amex card says I started in 2010.

Now, I could probably call and correct this. But really, what is the point besides personal vanity. Is there any concrete benefit?

User avatar
FastSRT8
Centurion Member
Centurion Member
 
Posts: 1454
Joined: Thu Apr 19, 2012 1:32 pm
Location: Canada

Postby FastSRT8 » Thu May 03, 2012 11:02 am

DoingHomework wrote:Now, I could probably call and correct this. But really, what is the point besides personal vanity. Is there any concrete benefit?


Personal vanity and bragging rights LOL
Carpe diem quam minimum credula postero!

User avatar
danpass
Platinum Member
Platinum Member
 
Posts: 79
Joined: Wed May 25, 2011 11:55 am
Location: Miami, FL

Postby danpass » Thu May 03, 2012 12:23 pm

DoingHomework wrote:While I don't doubt that what has been said is true, my first Amex card was in the late 1980s, through my job. I had it until 1994. I then had an Amex through a different job from 1996 through 2005. But my Amex card says I started in 2010.

Now, I could probably call and correct this. But really, what is the point besides personal vanity. Is there any concrete benefit?

your average of accounts on your credit report will start from the 80's by virtue of Amex backdating. Its not just internal.

CC Deville
Centurion Member
Centurion Member
 
Posts: 1067
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Thu May 03, 2012 4:59 pm

DoingHomework wrote:While I don't doubt that what has been said is true, my first Amex card was in the late 1980s, through my job. I had it until 1994. I then had an Amex through a different job from 1996 through 2005. But my Amex card says I started in 2010.

Now, I could probably call and correct this. But really, what is the point besides personal vanity. Is there any concrete benefit?


Like Danpass said....not only does your card have the original Member Since date on it, but the trade line reports to the bureaus with that original year. It can really help build on your average age of account.

American
Centurion Member
Centurion Member
 
Posts: 107
Joined: Thu Mar 29, 2012 7:55 am
Location: Atlanta, GA

Postby American » Thu May 03, 2012 5:49 pm

Back-dating saved my credit. I was 22 before I had any credit. When I got my first AmEx, they accidentally pulled my Dad's account (same name, even though different SSN). I am 23 now, and AmEx thinks I've been a member since '92, which puts me at 4 years old. I have 2 AmEx's now, and my Credit Score is 750+. Backdating is amazing. Anytime I need to improve my AAoA; I'll just open another AmEx card.
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

bmw1990Z
Centurion Member
Centurion Member
 
Posts: 341
Joined: Sun Mar 18, 2012 10:08 am
Location: USA

Postby bmw1990Z » Thu May 03, 2012 6:59 pm

Won't someone eventually realize they made a mistake when your account was setup and correct it?
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

Money card
Centurion Member
Centurion Member
 
Posts: 1361
Joined: Tue Jun 28, 2011 10:13 pm
Location: New York state

Postby Money card » Sat May 05, 2012 8:12 pm

DoingHomework wrote:While I don't doubt that what has been said is true, my first Amex card was in the late 1980s, through my job. I had it until 1994. I then had an Amex through a different job from 1996 through 2005. But my Amex card says I started in 2010.

Now, I could probably call and correct this. But really, what is the point besides personal vanity. Is there any concrete benefit?


The reason American express says you started in 2010 is because you changed jobs.

For example if you were a vice president in the late 80's and you used a corporate or small business card, you left that company and now let's say you became president of a different company that gets you a corporate card because. Because they're non-personal cards you get a different membership date on the card.

Had you used your own personal card you would have the original membership date of the late 80's.



Return to “American Express”

Who is online

Users browsing this forum: No registered users and 2 guests