How can you tell if your Amex is backdated?

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agp
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How can you tell if your Amex is backdated?

Postby agp » Mon Jun 03, 2013 11:19 am

Aside from the "Member Since" printed on the card, on your credit report, how can you tell if your Amex card is backdated? I just pulled my annual credit report, and it doesn't seem like my second Amex card was backdated. The "date opened" and "reported since" dates were not as old as my first Amex.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred


MemberSince99
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Postby MemberSince99 » Mon Jun 03, 2013 3:20 pm

That's the only way - if it's not reporting the same year, it's not backdated. I would assume then your member since date on the card is not backdated either right? If it is, just call them up and let them know it didn't report to the CRAs with the correct member since date.

MB131174
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Postby MB131174 » Mon Jun 03, 2013 9:21 pm

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.
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MemberSince99
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Postby MemberSince99 » Mon Jun 03, 2013 9:28 pm

Not true MB, when I had 3 cards opened last year with Amex, ALL of them reported an opened date with the bureaus of 1999, only the month I opened each being different.

So yes, there is such a thing as backdating, I can't believe you're suggesting there isn't. I'm sorry if you guys didn't get that, but I can assure you, it's not impossible and it does exist, maybe it's YMMV but I personally have gotten backdated by Amex, and I'm just not about to let anyone tell me that's impossible and didn't happen and I imagined it.

MB131174
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Postby MB131174 » Mon Jun 03, 2013 9:34 pm

Many people say, myself included, that their credit reports show when the cards are opened, not back dated.
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SparkyinCA
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Postby SparkyinCA » Mon Jun 03, 2013 11:27 pm

MB - You are incorrect. Backdating does happen routinely for original members that have a member since date in the past. Amex did change how AU's are handled toward the end of 2011 (they don't backdate to the original members since date anymore). But for original members, yes, they do. Not sure where you got your information, but please go here to Creditboards and read Bob Wang's Master Thread on it so you get yourself updated on the facts:

http://creditboards.com/forums/index.php?showtopic=460996&hl=

ETA: I just had my last Amex card backdated automatically to 1984 in June 2012. My CRA's all report the newest card was opened in 1984 which bumped up my AAoA quite a bit and therefore my FICO scores went up.

agp
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Postby agp » Tue Jun 04, 2013 11:42 am

So you are saying that on your credit report, "Date Opened" for your Amex cards are the same?

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

MB131174
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Postby MB131174 » Tue Jun 04, 2013 2:56 pm

My bad. I looked at my credit report today and my personal cards are all showing open in 11, vs the year actually opened. Maybe I was looking at my business cards or something. Which, incidentally, are not showing on my credit report even though I used my SSN since I'm a sole proprietor. Weird. Oh well. Now to just wait for the AmEx BK Rewards. hahahahahahahhaha
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SparkyinCA
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Postby SparkyinCA » Wed Jun 05, 2013 12:01 am

agp wrote:So you are saying that on your credit report, "Date Opened" for your Amex cards are the same?


My newest card shows June 1984 in the "date opened" field. I'm not sure if it is the same month as my original card from 1984 (I don't remember what month my first card was opened) but for sure Amex uses the same year. Maybe someone else could be more specific on that. My original card has long since fallen off my credit reports years ago after I closed the account (young and dumb..didn't realize how important it was to keep an Amex card for history). But that was before PC's and the internet were in everyone's homes to learn about all this stuff on how credit works!

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Postby MemberSince99 » Wed Jun 05, 2013 5:56 am

Don't feel bad Sparky - my parents never taught me the importance of establishing a relationship with Amex while you are as young as possible either (and if they had, I wouldn't have listened anyway as I thought I knew WAY more about life than they did).



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