Strange Amex backdating situation

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BarneyB
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Strange Amex backdating situation

Postby BarneyB » Tue Jan 28, 2014 6:16 am

Good morning. I'm new to this forum but not new to credit watching. I have a strange situation with Amex backdating.

I got my BCP in 2012. It' the only Amex I've had in decades, but back in the dark ages (late 1970s) an Amex charge card was the very first non-cash money device I ever had.

I knew about backdating, but after hearing the stories about the struggles of people who had Amex cards in the 1980s or early 1990s to get their old accounts recognized and backdated, I figured I'd never qualify . I have ZERO record of the original account and didn't think Amex would, either.

Then just on a lark I asked an Amex chat rep if there was any possibility. She said, "SURE!" and put in a request. I figured there would be lots of requests for documentation but eventually a big NO. Instead, a few hours later I got an email that my "requested replacement card" was in the mail. I thought there had to be a mistake.

There was a mistake, but in my favor. Amex must never have even looked for my old record. They just changed my MS date to 1971, which is YEARS before I ever did business with them. It says 1971 on my online account and on the new card I got. The change hasn't reported yet so I don't know what it's going to do to my AAoA, though a 40-year backdate has got to be good news.

I don't get it. I want to be happy, but I feel like a fraud. I wasn't a member in 1971. I was a high school kid and not even an AU on somebody else's card. After reading about how hard it was for others to prove old MS status, I can't believe that somebody at Amex just slapped an arbitrary old date on my account and gave it to me as a gift. I worry that this gift is going to be taken away. Technically it OUGHT to be taken away. I'm not going to go complain to Amex about it of course. But have you ever heard of anything like this before? Am I likely to get FRd or get some kind of AA over this?

Thanks! I'm glad to be here on this knowledgeable forum.


MemberSince99
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Postby MemberSince99 » Tue Jan 28, 2014 10:03 am

I doubt they will take it away. Is it possible you had a card then and just don't remember? If they give you that Member Since date, accept it graciously, there is no need to feel like a fraud since they gave that to you, you didn't lie and con them out of anything.


And no, you will not get FR or any AA over this. Quit worrying, be happy, enjoy, especially when it hits your reports.

BarneyB
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Posts: 3
Joined: Fri Jan 24, 2014 7:06 am
Location: Oregon

Postby BarneyB » Tue Jan 28, 2014 11:59 am

Thanks for the reassurance, MemberSince!

It's not possible that I had a card that early. Aside from the fact that I was in high school then, I didn't come from the sort of people who had Amex cards. (In those days you had to be a little bit of a hot shot and my family wasn't in the Amex league, so I know nobody put me on as an AU. I didn't get my own Amex until years after I left home and had to travel for business.)

But it was definitely a nice gift from Amex even if a mysterious one. I'm glad to hear there won't likely be any FR or AA. Yeah, I'm looking forward to what it's going to do to my AAoA and score.

BarneyB
Green Member
Green Member
 
Posts: 3
Joined: Fri Jan 24, 2014 7:06 am
Location: Oregon

Postby BarneyB » Tue Jan 28, 2014 9:14 pm

Sorry for not thanking you earlier, MemberSince. I replied to your helpful message early today but my response went to moderation and has never shown up.

Not sure why my messages are still going to moderation. Guess I'd better doublecheck those forum rules. Hope this one makes it through okay.



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