Help understanding backdating?!!

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PopiLopi
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Help understanding backdating?!!

Postby PopiLopi » Tue Jun 19, 2012 9:49 pm

i'm trying to figure out how this backdating thing works... A few months ago I made my sister add me on her BCP opened since 2008 to help my AAoA, but when I check my credit report it shows date opened: Feb 2012. Do I have to call amex to fix this or it only works when you are the primary member?
Amex: Business Platinum (09/12) BCP $10,500 (03/13)
Visa: Capital One Journey $750 (04/11) Chase Freedom $1,800 (04/12)
MasterCard Citi AAdvantage Platinum Select $8,500 (05/13)
Discover: Discover It $2500 (07/11)
Store Cards: Amazon $3900 (12/11) Macy's $500 (04/11) Kohl's $500 (05/12) Victoria's Secret $750 (11/12)


thomaswhitehall
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Postby thomaswhitehall » Tue Jun 19, 2012 10:31 pm

Don't know if they still allow you to do that trick....hopefully someone to chime in to clear it up!

nedyah700
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Postby nedyah700 » Wed Jun 20, 2012 12:35 am

I don't think they will backdate to your sisters account date only the oldest account with your name on it?

PopiLopi wrote:i'm trying to figure out how this backdating thing works... A few months ago I made my sister add me on her BCP opened since 2008 to help my AAoA, but when I check my credit report it shows date opened: Feb 2012. Do I have to call amex to fix this or it only works when you are the primary member?

bmw1990Z
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Postby bmw1990Z » Wed Jun 20, 2012 6:31 am

I would try calling Amex! On the subject of backdating though, say I decide in the future to close my delta gold amex and apply for the prg or platinum (already pre-approved for according to my account online..) I know it's not good to close an account, but since my new account would be backdated, wouldn't it be like I hadn't closed an account at all but replaced it with a different card, since it would be backdated?
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

agp
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Postby agp » Wed Jun 20, 2012 6:42 am

I believe that even if you close your current (and only) card before applying for the new card, the new card will still be backdated. Can someone confirm?

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

PopiLopi
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Postby PopiLopi » Wed Jun 20, 2012 9:06 pm

I think we are all lost in this subject
Amex: Business Platinum (09/12) BCP $10,500 (03/13)
Visa: Capital One Journey $750 (04/11) Chase Freedom $1,800 (04/12)
MasterCard Citi AAdvantage Platinum Select $8,500 (05/13)
Discover: Discover It $2500 (07/11)
Store Cards: Amazon $3900 (12/11) Macy's $500 (04/11) Kohl's $500 (05/12) Victoria's Secret $750 (11/12)

nedyah700
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Postby nedyah700 » Wed Jun 20, 2012 9:58 pm

No. Its pretty simple. AMEX will backdate any of your cards to whatever date your first card with them was. Regardless if it was your own account or if you were an AU. The only exception is corporate cards.

PopiLopi wrote:I think we are all lost in this subject

Crashem
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Postby Crashem » Thu Jun 21, 2012 7:04 am

Original poster, nedyah is right. Since you never had an Amex till feb 2012, it reports as 2/2012. They do not backdate your member date back to original cardholder anymore. On any other card issuer, when you are added as AU, your credit report will get a duplicate of the original cardholder's credit line. With Amex however, AU is treated like you got your own Amex including its own card number for credit reporting purposes. As such, Amex reports new cards open with the month that card is opened and year of the member date. In your example, sounds like 2/2012 is right. Funny thing is if you had an Amex in 2000, it would have reported it as 2/2000 and older than your sister.
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

PopiLopi
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Postby PopiLopi » Thu Jun 21, 2012 8:14 pm

Thanks for the info Nedyah and Crashem! Now I get it!
Amex: Business Platinum (09/12) BCP $10,500 (03/13)
Visa: Capital One Journey $750 (04/11) Chase Freedom $1,800 (04/12)
MasterCard Citi AAdvantage Platinum Select $8,500 (05/13)
Discover: Discover It $2500 (07/11)
Store Cards: Amazon $3900 (12/11) Macy's $500 (04/11) Kohl's $500 (05/12) Victoria's Secret $750 (11/12)



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