- Centurion Member
- Posts: 512
- Joined: Mon Mar 05, 2012 10:58 am
- Location: PA
Z06Biker and I talked about this once in another thread. AmEx doesn't really "back date" your accounts. The only thing they show from previous years is the year you became an AmEx member. Which will be true no matter how many new cards you open through the years with them. What gets reported to the credit bureaus is when each individual card was opened. Think about this: say in 2013 AmEx partners with Burger King (absurd, right?!) and creates the American Express Burger King Rewards card. (I'm laughing at the ludicrous idea). You've been an AmEx card holder since 1994. Your card will say "MEMBER SINCE 94", however they will report the card to the bureaus as opened in 2013. How could they report the American Express Burger King Rewards card as being open since 1994, when it was only launched (in our little fantasy world) in 2013? Your AAoA for this card will be factored in from 2013, NOT 1994. The back dating myth is as real as the unicorn. "Member Since" has nothing to do with when a card is opened. That would be like insuring your car with Nationwide (who may, or may not, be on your side) in 2000 and adding rental coverage in 2010. They're not gonna say "Oh you've had rental coverage since 2000!" simply because you became a customer of theirs in 2000. They're gonna see your rental coverage being effective since 2010 since that is when you added it. Same for AmEx. You get a PRG in 2000, add a BCE in 2012. Yes, you've been a member since 2000, but have only had your BCE since 2012. Sorry boys and girls.