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