cashback wrote:And how might you be doing this?
Based on your FICO's, backdating wouldn't help you much. But if someone is borderline for qualifying for the lowest rates for a mortgage or new car loan, adding additional Amex cards can help with AAoA greatly (as I wrote, 29 years in my case). I live in California where housing is very expensive (still in the town I live in) so 1% difference on a mortgage over 30 years is a huge amount of money, therefore, my comment the AF fee is a drop in the bucket if it ensures higher credit scores by having Amex charge or credit cards.
Does that make more sense now?