Backdating Question - Date of App or Acceptance?

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djrez4
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Backdating Question - Date of App or Acceptance?

Postby djrez4 » Tue Sep 04, 2012 5:22 pm

I'm planning on applying for either a BCE or BCP in January to take advantage of backdating as much as possible. I'd like to wait until the end of the month because some of my most recent inquiries will be 6 months old and have a weaker effect on my scores. If I wait until the 31st to apply, will that count as a January card? Or will I get February when the app goes through?
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CC Deville
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Postby CC Deville » Tue Sep 04, 2012 6:27 pm

If you are instantly approved the account will be "built" straight away and it would have a January open date. But if your application cannot be approved immediately and has to be reviewed, there is a good chance it will be a February open date. Why take the chance? I would apply between 1/24-1/28 for the best chances, just in case. So to answer your question, the open date will be when the account is officially built (approved) in First Data (Amex's account system) and not when you submitted the application.

I was approved instantly for my Zync 1/27/12. It reports as opened 1/99. I freaking love Amex!

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djrez4
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Postby djrez4 » Tue Sep 04, 2012 7:05 pm

Exactly what I wanted to know...Thanks!
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