Don't be me - I poked the Amex bear

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Bksuper
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Location: California

Postby Bksuper » Mon May 27, 2013 9:03 pm

TheLethargicAge wrote: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.

This is true. My Costco amex that is in my name reports my AU member since date of 2012 to the bureaus, yet has a member since date of 2013 printed onto the card. Not a big deal.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012


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Calipso
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Postby Calipso » Tue May 28, 2013 2:52 pm

TheLethargicAge wrote: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.


Thats what I would be focused on mainly. I don't care what my card say says, I care what is displayed on my credit reports.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

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m.a.stewart.
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Postby m.a.stewart. » Wed May 29, 2013 1:20 pm

Let us know your results.
~PARATUS ET POTENS~

MemberSince99
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Postby MemberSince99 » Wed May 29, 2013 4:50 pm

Will do. I'm curious to see if the new one is backdated. It's supposed to be here tomorrow but could be Friday, you never know for sure with the mail. But will post when I get it what the member since date says on it.

Robrus1
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Postby Robrus1 » Wed May 29, 2013 5:02 pm

I hope you're glad you didn't call and cancel it the other day!
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

MemberSince99
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Postby MemberSince99 » Wed May 29, 2013 6:50 pm

I am glad Robrus1. At first it was just kind of panic mode. Then I settled down and thought about it and realized this isn't life or death it's a credit card. Let them decide what to do and just take it from there. I really do prefer things just be out in the open - if they have a problem with me, then close it, though why it was allowed to be opened would be beyond me, but as I mentioned it's a credit card, although a very nice one, and life will go on either way.

So yes, I am.

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FastSRT8
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Postby FastSRT8 » Wed May 29, 2013 10:52 pm

What did we all tell you ;)

Take a breath and don't make a decision when you are 'emotional'
Carpe diem quam minimum credula postero!

MemberSince99
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Postby MemberSince99 » Thu May 30, 2013 6:24 am

And you were 100% correct SRT. That's basically what I did, much to my surprise. I'm not much for sitting back and waiting for things to happen but it seems like sometimes that is exactly the right thing to do. You guys were 100% correct.

My overall plan is still to wait a good 6 months, then go for the Chase Freedom and Amex BCP together, near the end of the year. This would I think give me a great overall card lineup, with the BCP being for gas and groceries (and backdating would be great as well) and the Freedom combining nicely with the CSP for max rewards.

And that way I won't have a ridiculous amount of inquiries this year as well, unlike last year (and by that time last years won't matter in terms of score, nor much to any creditor either).

To me the only downside is, it's going to be a bit of work to maintain all those cards - making sure that only one or two at most report a balance and using them to keep them open. The Associated Platinum has 0 rewards (every other card I have has rewards) and I'd close that but it's my oldest revolver and it's hard to close a card (for me anyway) with a limit over 10k. I thought about asking them if they wouldn't move the line over to the signature card, worst they can say (and they probably will) is no. If anyone has any ideas for making the older ones easier to manage I'm very open.

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m.a.stewart.
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Postby m.a.stewart. » Thu May 30, 2013 8:43 am

Either ask to move your credit from one card to the next or do a product change, that way you don't have to close the old accounts. So what the outcome from Amex? Get your mail yet?
~PARATUS ET POTENS~

MemberSince99
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Postby MemberSince99 » Thu May 30, 2013 6:30 pm

All I could do is move the line I already have their signature card. I'll ask and see if they'll do it.

I got the mail today actually. Two letters from Amex. One had a card in it. I opened the first thinking I wonder if it says "You've been a VERY bad boy and we are closing your account...." but all it said was you can pay via phone and here is the number. I always pay online, but good to know though I'm sure I could call the CSRs and make a payment too.

The next one had the card - opened it up and it says "Member since 99".



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