Backdating question...

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otter
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Backdating question...

Postby otter » Fri Nov 01, 2013 3:11 pm

Years ago (1991 or 92 I believe) when I was in college, I had an American Express Green card. I didn't really understand credit (and charge cards) at the time and it eventually became delinquent and went into collections. I did pay off the debt(I think settling for a lesser amount) and haven't been able to get an Amex account until now(having recently gotten two). I've heard of people backdating their Amex cards after not having them for a long period of time. I'm worried about trying to backdate my cards (thinking maybe American Express has forgotten or at least forgiven my youthful transgressions) because I don't want to open up an old can of worms. Of course, I see the upside to being a "member since 1991" since having two accounts backdated 20+ years would probably push my score into the upper 700's or even 800+.

Any thoughts or advice?
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450


Robrus1
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Postby Robrus1 » Fri Nov 01, 2013 3:26 pm

I'm not sure what I'd do. You could call and ask them if they'd be willing to change your "member since" date to the year you opened your first card. If you say backdating, not all the reps will understand. At the same time, your scores look fine, so I'm not sure I'd make it a huge priority.
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

CC Deville
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Postby CC Deville » Fri Nov 01, 2013 4:19 pm

It never hurts to ask. As Robrus1 said, you could call them up and mention that you were a Member in the early 90s and wondered if it were possible to have your Member Since date changed. With luck, they will be able to locate your original account and they will change your Member Since year. At the very least they will say no (either because they cannot find record of the original account or because of your settled account). I really would not worry about them closing your new account based on the actions of your younger self from 22+ years ago.

Also, as Robrus1 said, don't call it backdating; it is your Member Since year.

MemberSince99
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Postby MemberSince99 » Sat Nov 02, 2013 10:54 am

Having been in your shoes, I don't believe they've either forgotten or forgiven. They aren't big on either one of those things. Just because they let you back in doesn't mean your account doesn't have a previous delinquency flag set, that will pop up at some point if you go for a CLI or app for another product of theirs. That's what happened to me.

When I got my new Amex cards this year, the Gold was originally a Member since 2013 date. I debated over whether it would be waking a sleeping dragon to ask for the member since date to be changed and decided that all that backdating was worth the risk. They did it, but they haven't forgotten my delinquency as when I went for CLIs on the revolvers they were denied due to previous delinquency.

So, I wouldn't worry too much about doing that - they haven't forgotten and they haven't forgiven either. You may as well get your backdating (but like others said don't use that word when you call) and be done with it.

GoCreditGo!
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Location: Seattle WA

Postby GoCreditGo! » Tue Nov 05, 2013 1:54 pm

My history:
1 amex platinum charge 2005-2007
1 amex gold 2007-2010?

I can still log in and see my gold card sitting in the online profile, of the amex portal; but it says the card is cancelled. I called them up after getting my new gold card and the told me that to change the date, my previous card needed to be canceled within the last 2-3 months. I guess no die, but I have not given up yet if anyone has a suggestion.

Bay area Joe
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Postby Bay area Joe » Wed Nov 06, 2013 5:43 pm

I was in a very similar situation. I finally got back in with Amex Jan of 2013. When I logged in they had my Member Date Since 1991. I did not have to do anything.
It does not matter what your card says it only matters what it says when you log in.

J

Bay area Joe
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Postby Bay area Joe » Wed Nov 06, 2013 5:47 pm

MemberSince99 wrote:Having been in your shoes, I don't believe they've either forgotten or forgiven. They aren't big on either one of those things. Just because they let you back in doesn't mean your account doesn't have a previous delinquency flag set, that will pop up at some point if you go for a CLI or app for another product of theirs. That's what happened to me.

When I got my new Amex cards this year, the Gold was originally a Member since 2013 date. I debated over whether it would be waking a sleeping dragon to ask for the member since date to be changed and decided that all that backdating was worth the risk. They did it, but they haven't forgotten my delinquency as when I went for CLIs on the revolvers they were denied due to previous delinquency.

So, I wouldn't worry too much about doing that - they haven't forgotten and they haven't forgiven either. You may as well get your backdating (but like others said don't use that word when you call) and be done with it.


I am in the same boat.. I have tried twice for CLI on the Amex Hilton and denied.... due to past delinquencies. Maybe one day... I am glad to see you have three Amex cards though, I was afraid to try for a third. And my Hilton card also has a 2k limit.

J

SteveT
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Postby SteveT » Wed Nov 06, 2013 7:17 pm

otter wrote:Years ago (1991 or 92 I believe) when I was in college, I had an American Express Green card. I didn't really understand credit (and charge cards) at the time and it eventually became delinquent and went into collections. I did pay off the debt(I think settling for a lesser amount) and haven't been able to get an Amex account until now(having recently gotten two). I've heard of people backdating their Amex cards after not having them for a long period of time. I'm worried about trying to backdate my cards (thinking maybe American Express has forgotten or at least forgiven my youthful transgressions) because I don't want to open up an old can of worms. Of course, I see the upside to being a "member since 1991" since having two accounts backdated 20+ years would probably push my score into the upper 700's or even 800+.

Any thoughts or advice?


I dont think you have anything to worry about as there were many folks who obtained an Amex after defaulting without paying them back and had their new Amex backdated.

I would call Amex and mentioned that you were a cardmember since 199X and would like that reflected on your current account. Dont say backdated (that's not in their vocabulary.)

GoCreditGo!
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Postby GoCreditGo! » Wed Nov 06, 2013 11:07 pm

Just to confirm: Right now, if I log in to my "old" online profile, I still see the member since date from yesteryear. I'm thinking that once I receive the Gold card, I'll register it to that profile and see what they say. I think this might be my only chance. I wish they would backdate me, but alas, this is only hoping. I was thinking about explaining my situation via letter to an executive office somewhere. I have never defaulted on a payment on the charge card at all, so my record is clean with them. I hope they see it my way, since I will be moving and need to talk to global card services to transfer my card.

GoCreditGo!
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Postby GoCreditGo! » Fri Nov 08, 2013 5:36 pm

I just spoke with them. They were able to find my 2nd oldest card in the system and had my "Member Since" date changed to 07. They could not find my Platinum charge, even though I have it in my hands and were not able to back date it to that year. 1/2 ain't bad.



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