darkguy2 wrote:That is the way it works. All new cards after your first one will backdate the year to the year of your first card.
Yup! You're 18. Further down the road, go for your first AMEX if you wish. Keep in mind that ALL the charge cards have the same underwriting provisions, and thus reportedly are easier to get. The revolvers have different underwriting criteria and are a bit more difficult.
The great thing about AMEX, and especially for someone at a young age is that backdating. As stated, AMEX will show your MSD (member since date) from the YEAR you first applied for a card, but the MONTH in which you actually apply. Many of us here have had AMEX cards in our younger days, perhaps burned them or let the cards lapse, and reapplied at a later date. When we applied at that later date, we got the age back for our new account, hence, my AMEX card has a MSD of 1991, but in reality the cards I hold were obtained in the past 5 years or so. (Sidebar- I actually had an AMEX back in 1976, but they couldn't find records that old for me for backdating purposes). That backdating is beneficial when one's AAofA is being calculated, giving us a somewhat artificial length of credit history....but something we'll take, nonetheless ! ! !