Don't be me - I poked the Amex bear

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Postby Sevenfeet » Sat May 25, 2013 8:16 am

Member, I'd calm down and enjoy the weekend. Please don't sweat this too much.

First, it was probably not a good idea to "poke the bear" as it was. But honestly, there's a good chance that nothing will come of it. If nothing changes in 30 days, I'd say that the issue has been dropped. And as you've said yourself, the statute of limitations on the old debt is way in the past.

By the way, I work for a major hardware/software company and I can tell you (and everyone else) right now that the days where old data had to be archived away because of the sheer volume of it is beginning to come to an end. Storage is cheap in the enterprise, especially compared to a decade ago. Compression techniques can compact data by a factor of 10, which makes storage and retrieval a lot more efficient. And modern databases can prioritize which data is stored in fastest arrays (or memory) and still keep larger data sets that used to be archived out in slower retrieval systems.

About a decade ago I was working with a well known manufacturer of appliances and they were implementing a new CRM system. The old proprietary system had 17 years of customer data in it, which they wanted all of it in the new modern relational database. We countered by saying that most customers who called into their call center had only purchased something in the last 24 months which meant the older data wasn't as important. That's true, but if we were to do the same system today, we could have easily taken all of the historical data and not taken a performance hit.

Financial institutions are some of the hungriest consumers of data storage since there are so many credit/debit transaction around the world every minute of the day. But as data systems get better, you're going to see a lot more old data come out of storage and reused, if nothing for their gold mine of analytical information they provide. Big Data is real.
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Postby MemberSince99 » Sat May 25, 2013 12:38 pm

Actually I have calmed down. It was stupid, but if this ends up being the most stupid thing I ever did I'll be in good shape.

I've decided the ball is in their court, let's see what they do. As I said I'm not at ALL concerned they will try to throw that into collections - if they were going to do that they would have done it last year. And, I'm honestly not going to be concerned about if they close it or not. Their choice. A lender where you have to live on pins and needles all the time just isn't a good situation, best for everyone for me to move on if that's the case. I'll just sit back and see what if anything they do. I don't think it's as big a deal as I was making it out to be, because I have good history with other great lenders. So I support their right to do what they feel is best, and I'll just wait to see what they do. I just am tired of living on pins and needles with them let's get it out in the open and get whatever happens over with.

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Postby thom02099 » Sat May 25, 2013 12:45 pm

Take a DEEEEEEP cleansing breath...and relax! Yes, it was probably not an advantageous thing to do, calling AMEX. But what's done is done. There's always a very real possibility that they are NOT able to find your file at all, hence no harm/no foul. When they say archives, they frequently have to dig through old microfiche files (anyone remember those??) and they could be damaged/destroyed/unreadable/etc.
DON'T DO ANYTHING!! The ball is in the AMEX court, so let this play out however it will.

Regarding the discrepancy in your "member since"'s very likely that, on the front end at their end, as well as on your home page it's got that old "member since" date, since it's associated with your name/DOB/SSN, and probably is just a front end thing. There's a limit to what AMEX can remember and find. I've been a member since 1976...BUT there were gaps in my membership, and my current cards show a "member since" dated to 1991. And in reality, I've not been an actual member since 1991, but I'll take the 22 years of age!
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Postby MemberSince99 » Sat May 25, 2013 12:53 pm

It's always, and I mean always a YMMV. Last year I called about the cards I had, no problem, they all got backdated immediately, and they obviously knew about the charge offs then.

There is honestly no predicting the outcome of this, we can all make bets but in the end, we'll just have to see.

Let's just say this though - if you do get back in with them, DON'T push them for backdating if you don't get it, unless you are willing to take the risk of what may happen. Decide if the backdating is worth the risk BEFORE calling them. If it is, go for it, if not, let it go. Hopefully that's the lesson we can all take away from this one. And remember it's ALWAYS YMMV. Just because they backdated you last year doesn't mean it's going to go that way this year.

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Postby DavidNY » Sat May 25, 2013 5:52 pm


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Postby MemberSince99 » Sat May 25, 2013 6:17 pm

That doesn't look so bad. You cracked me up!

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Postby MemberSince99 » Mon May 27, 2013 6:10 pm

Just wanted to update you guys on this.

I got an email from them this afternoon about my replacement card. Logged in and it says they are sending one US mail. Request reason says "OTHER - REJECT/REISSUE".

So I would take that to mean I'm just getting a replacement. The best guess here is, it didn't trigger them. (They are not shy about letting you know if you do trigger them).

Whether it's backdated, who knows, I'm not going to push them any farther on it. If it is great, if not, really not that big of a deal. (Though sure, I'd take the 14 years of backdating gladly).

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Postby Calipso » Mon May 27, 2013 6:25 pm


Update us when you get the mail?
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Postby KrazyNick » Mon May 27, 2013 7:43 pm

Calipso wrote:99

Update us when you get the mail?

Yes please do!
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Postby TheLethargicAge » Mon May 27, 2013 8:46 pm

The physical card itself may not be backdated, but if on their site it says, "Member since 1999, then that's how they're reporting it to the CRAs.
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