Search the Community

Happy New Year's to all my fellow CBers: Hope everyone had a safe and happy holiday season. I had a quick question, I have read threads on D* and in everything I got a little confused. With regards to an AU card, IF the AU had their OWN AMEX in say 1993 would they be able to use that as a D* date if added on as an AU? I know that it is said AU D* is dead, however, I kinda got turned around in my readings, I think that it is dead with regards to the MAIN CC Acct Holder having D* and the AU trying to get the SAME D* that really wasn't theirs. I am assuming that if the AU had a potential D* of 1993, that AMEX would honor it regardless of the date on the new acct, am I completely off here? Also, if AMEX did allow it, what might the impact be on the AU's AAOA. would it truly effect it? Or since it's only an AU card does it factor differently? As always, thanks for all your help and guidance, I have some success stories to share as soon as I get caught up with school.

So my Amex reported upon refresh of USAA today. I have read that letting a balance report may, or may not, aid in the first reporting cycle. Here are my results: Two cards, approved same day, 30 days ago. PRG no balance/did not report first cycle. ED had a balance/reported first cycle, 30 days after acct opening, 3 days after statement close. If we can get more data on this we can establish how much the balance reporting method has on reporting the new accounts. Whether or not it is more common with revolvers opposed to charge cards. There must be a method to the madness that is Amex. Please share your recent results or add to this thread when your new accounts report, with the basic information.

Trying to keep it short ... I have been away for a while. Came back this week to say hi in GD. Started reading around in CF and saw this thread: The Master Blacklist Black List Thread – Work In Progress, Help Needed Now, I haven't applied for an Amex since 2007. Back then, the CO was no longer on my reports. Only denied because of internal blacklist. Not sure when it actually CO'd. So, I thought WTH. I'll try. Applied for the Everyday card because it looked kind of cool. FACO on TU is 721. The rest are unknown. I do have quite a few other cards at this point with about $50k total in CLs ranging from $500 (Target) up to $25k (USAA). I was approved for $2k. Eh. Not great. But, I am back in. Don't know if that is good or bad yet. Then I start reading about D*. Hmmm. Better check that out. Click the chat button and ask if I can get my Member Since date set back to my original. Sure Mr. D. Let me look that up for you. Is **** correct? Yes sir, that sounds about right. New date shows online before we finish the chat. Boom, a brand new CL from 1998. Once again, thanks CB. You guys are awesome as usual

There are usually a lot of questions about why to apply for new Amex cards in January, particularly this time of year. Below is a brief explanation. When you have an Amex log in, you have a "Member Since" date. For example, here is what mine looks like when I log in to my account. Once you have established a "Member Since" date, every new Amex you open will show as being opened in the MS year. For example, every Amex I open reports as being opened in 1992. A new Amex will report the month that it was opened with the MS date as the year. For example, let's assume a MS date of 2013 and two different scenarios for opening a second card. MS date 2013 Amex 2 opened December 2014 Amex 2 reports as opened December 2013 reports as 1 year old MS date 2013 Amex 2 opened January 2015 Amex 2 reports as opened January 2013 reports as 2 years old If you have a really young MS date, you can see why applying in January can help you boost your AAOA over time. Waiting 1 month in this example nets another year of account age. If you don't have an Amex, it is wise to get one before the year ends to lock in a MS date. If you have a young MS date, it is wise to wait until January to take advantage of the account age as much as possible.

I have a friend who had an Amex opened in 1985 but does not have one today. Their Experian FICO was 666 a month ago due to these factors: Pluses: Utilization: 8% Oldest Account: 20 years Average Age: 10 years Inquiries: Zero Minuses: 3 Public Records (3 federal tax liens from Feb 2012, two say released, one not showing that) Only 2 Accounts in good standing No recent non-mortgage installment loans Most recent late payment 1 year 6 months ago (60 days late January 2013 on car loan) I think an Amex backdated to 85 would be a great addition to their credit report, but don't want to have them apply if unlikely they will be approved. Was looking at the Delta and Hilton cards as possibly being good ones to try, or would a green card be a more likely approval?

Okay, so I know that AU's have gotten drastically less d* love in the last year or two... but how about if a current/past Amex customer applies jointly with a person that has never had an Amex and they fight to get the account d*? Has anyone done this? Does it work? Again, I'm sorry if this has come up before- I've said it many times- I SUCK at the search feature on here.

Dr. Wang, I need a diagnosis. I can't see where you have given a definitive answer in a CB search, so I will ask. I have no D* connections anywhere. I do however have a corporate green card that is 7 years old. If I can get in with AMEX individually, will I be able to D* to my corporate card date? I have been opted out for about 3 years now. I was going to opt back in. I am thinking that if I get opted in and start getting offers from AMEX on my online account or prescreeened by mail, not just invitation to apply, that would link to my current account which says "Member since 7 years ago". I need to do a refi on my house later this summer. I was unable to capitalize on things when they were super low. For me, EX is actually my best report. I have an old CU that only reported to EX and has a couple closed car loans, plus an ancient (now closed) joint account with my ex wife for a CC dating back to 1983 (Not AMEX). My AAOA on TU and EQ is only about three years. My EX is like 10 with many more TLs. My PSECU FICO is 714, but DCU FICO is only 659. Obviously, I don't want a new account popping up right before going mortgage shopping, but I actually think it could help my TU and EQ scores to get my mid score up a little bit from AAOA point of view and utilization. I would like to try for a revolver at AMEX, BCP or BCE. I only have two open CCs right now - PSECU 20/20 and a local CU for $2K In summary, do you think I can D* based on my corporate account only or not? Second, when opted in, will the AMEX site give prescreened offers that would be close to guaranteed approvals? I have no collections on EX, but I do have a PIF CO from someone else as well as a PIF tax lien from 2009. Of course, this is open to all on call CB emergency Dr.s I do hope to hear from my specialist however for a second opinion.

A little background: I got an Amex Delta gold card in 2006, and then got unemployed and it charged off in 2008. I paid off the chargeoff in January of 2012, and was finally approved two weeks ago for the Delta Gold again (after applying FOUR times). When I got my card, it said "13". On the website, it said "Member since 05". Ebuddog: Hi, my member since date is incorrect on my card. Rep: It sure is! Let me get with the printing department to see what the issue is. (puts me on hold for 5 mins. I'm kind of getting nervous) Rep: Okay, looks like they printed up a whole bunch of cards at once, that's why there was an error. We'll get your new card with the '05 date in the mail to you today Me: Thanks! So, does this mean when it reports it will report back to '05?