The Master American Express BackDating Thread - *Obsolete info*

[john23213]

I remember reading numerous posts on various forums about amex not allowing D* to people with negative history. It also happened to a family member about a year ago who couldn't do it. I was under the impression that the only people who got D* with a still-negative history with amex had it happen automatically.

[Lummy]

Gaby, you are likely wrong. Future Amex will get backdated to 2012 as I understand the current policy

 

Can you please point me to these other folks who have fallen victim to this? I still have not found one, so I'm not entirely convinced it's as much a "new policy" as it is "bad luck."

 

I can't say yet whether I'm a victim of new Amex policy or not. I opened a BCE on 7/1 even tho I owed them ~900 from 1997. I called up and the CSR gladly changed my "member since date" to 95. The card finally reported today with an "opened 7/1/2012" date.

 

Now rumor has it that the BD tends to take 2 or 3 months so all I can do is wait and see

[SomeGuyInCA]

Gaby, you are likely wrong. Future Amex will get backdated to 2012 as I understand the current policy

 

Can you please point me to these other folks who have fallen victim to this? I still have not found one, so I'm not entirely convinced it's as much a "new policy" as it is "bad luck."

 

I can't say yet whether I'm a victim of new Amex policy or not. I opened a BCE on 7/1 even tho I owed them ~900 from 1997. I called up and the CSR gladly changed my "member since date" to 95. The card finally reported today with an "opened 7/1/2012" date.

 

Now rumor has it that the BD tends to take 2 or 3 months so all I can do is wait and see

 

Yikes - it took almost 2 months to report? Wow!

[Lummy]

Gaby, you are likely wrong. Future Amex will get backdated to 2012 as I understand the current policy

 

Can you please point me to these other folks who have fallen victim to this? I still have not found one, so I'm not entirely convinced it's as much a "new policy" as it is "bad luck."

 

I can't say yet whether I'm a victim of new Amex policy or not. I opened a BCE on 7/1 even tho I owed them ~900 from 1997. I called up and the CSR gladly changed my "member since date" to 95. The card finally reported today with an "opened 7/1/2012" date.

 

Now rumor has it that the BD tends to take 2 or 3 months so all I can do is wait and see

 

Yikes - it took almost 2 months to report? Wow!

Yeah, it was weird. I was expecting the card to report last month but it didn't for some reason.

Edited August 30, 2012 by Lummy

[SparkyinCA]

Gaby, you are likely wrong. Future Amex will get backdated to 2012 as I understand the current policy

 

Can you please point me to these other folks who have fallen victim to this? I still have not found one, so I'm not entirely convinced it's as much a "new policy" as it is "bad luck."

 

I can't say yet whether I'm a victim of new Amex policy or not. I opened a BCE on 7/1 even tho I owed them ~900 from 1997. I called up and the CSR gladly changed my "member since date" to 95. The card finally reported today with an "opened 7/1/2012" date.

 

Now rumor has it that the BD tends to take 2 or 3 months so all I can do is wait and see

 

Just curious, Lummy.. Did you request a replacement card with the 1995 date on it on the BCE? If not, I would. Don't mention the backdating issue. Just request the new card and they'll send you a new one (probably Saturday you'll get it if you call today). Keep your tone "light and fluffy" as I call it with the Amex CSR. If your Member Since Date says 1995 on your logon screen with Amex, and you have a physical card that says 1995, then after a couple of statement cycles I would call and ask what's up with the dates. Don't use the word 'backdating". Just focus on getting the Member Since dates in historical synch. If that still doesn't work, I would pay the $900 off or at least discuss it with them to see if they'll budge. This is my personal opinion. Other's might disagree..

 

If there is a policy now that they won't BD because of a prior loss, then eliminate the loss issue and see what they say (before you send them any money). Once again, I would be very open to discuss and not pushy with them to see if that works. The goal is to get your TL backdated anyway that is feasible to continue your good relationship with Amex.

[Crashem]

I had a green card back in 1993 which I closed due to the fees. I thought the $55 fee was too much for what little I used it.

 

Anyway I am an authorized user on my spouses Zinc card. Today I called to backdate and the rep informed me that authorized users cannot backdate. My spouse had never had a an AMEX prior to the Zync. I was hoping it would work.

 

AMEX has denied my applications several times. Low FICO 677. At least I can piggyback on my spouses.

 

Are you getting rejected via blacklist (ie you don't see hard inquiry on credit reports)? Also, does Amex think you left them hanging with the $55? 677 seems good enough for Zync.

[Crashem]

Gaby, you are likely wrong. Future Amex will get backdated to 2012 as I understand the current policy

 

Can you please point me to these other folks who have fallen victim to this? I still have not found one, so I'm not entirely convinced it's as much a "new policy" as it is "bad luck."

 

I can't say yet whether I'm a victim of new Amex policy or not. I opened a BCE on 7/1 even tho I owed them ~900 from 1997. I called up and the CSR gladly changed my "member since date" to 95. The card finally reported today with an "opened 7/1/2012" date.

 

Now rumor has it that the BD tends to take 2 or 3 months so all I can do is wait and see

 

Are you saying the card took a couple of months to report at all? Or are you saying the BD took 2-3 months to report? Or are you waiting to see if it reports?

 

Personally I think the new policy is in effect that now member since dates can be divorced from open date reporting. The current victims being new AU accounts and old CO accounts. Just trying to think of new ideas on how to get around this

[Gaby10]

My card also took 2 cycles to initially report.

[BDK]

My card also took 2 cycles to initially report.

 

Same here for all my Amex cc's.

[Lummy]

Gaby, you are likely wrong. Future Amex will get backdated to 2012 as I understand the current policy

 

Can you please point me to these other folks who have fallen victim to this? I still have not found one, so I'm not entirely convinced it's as much a "new policy" as it is "bad luck."

 

I can't say yet whether I'm a victim of new Amex policy or not. I opened a BCE on 7/1 even tho I owed them ~900 from 1997. I called up and the CSR gladly changed my "member since date" to 95. The card finally reported today with an "opened 7/1/2012" date.

 

Now rumor has it that the BD tends to take 2 or 3 months so all I can do is wait and see

 

Just curious, Lummy.. Did you request a replacement card with the 1995 date on it on the BCE? If not, I would. Don't mention the backdating issue. Just request the new card and they'll send you a new one (probably Saturday you'll get it if you call today). Keep your tone "light and fluffy" as I call it with the Amex CSR. If your Member Since Date says 1995 on your logon screen with Amex, and you have a physical card that says 1995, then after a couple of statement cycles I would call and ask what's up with the dates. Don't use the word 'backdating". Just focus on getting the Member Since dates in historical synch. If that still doesn't work, I would pay the $900 off or at least discuss it with them to see if they'll budge. This is my personal opinion. Other's might disagree..

 

If there is a policy now that they won't BD because of a prior loss, then eliminate the loss issue and see what they say (before you send them any money). Once again, I would be very open to discuss and not pushy with them to see if that works. The goal is to get your TL backdated anyway that is feasible to continue your good relationship with Amex.

 

Yeah, my card and the website says 1995 on it. I called about a week after I got the card and only mentioned that I thought the member since date was wrong because I had a card back in 97. The CSR not only put in the request, she corrected me in that I had the card since 95. They ordered me a new card then and there.

I was hoping that it would start reporting as 1995 but I have no problem waiting a month or two to see if they'll do it on their own. Besides, I don't want to rock the boat until after I get my 61 day CLI

Edited August 30, 2012 by Lummy

[SparkyinCA]

Gaby, you are likely wrong. Future Amex will get backdated to 2012 as I understand the current policy

 

Can you please point me to these other folks who have fallen victim to this? I still have not found one, so I'm not entirely convinced it's as much a "new policy" as it is "bad luck."

 

I can't say yet whether I'm a victim of new Amex policy or not. I opened a BCE on 7/1 even tho I owed them ~900 from 1997. I called up and the CSR gladly changed my "member since date" to 95. The card finally reported today with an "opened 7/1/2012" date.

 

Now rumor has it that the BD tends to take 2 or 3 months so all I can do is wait and see

 

Just curious, Lummy.. Did you request a replacement card with the 1995 date on it on the BCE? If not, I would. Don't mention the backdating issue. Just request the new card and they'll send you a new one (probably Saturday you'll get it if you call today). Keep your tone "light and fluffy" as I call it with the Amex CSR. If your Member Since Date says 1995 on your logon screen with Amex, and you have a physical card that says 1995, then after a couple of statement cycles I would call and ask what's up with the dates. Don't use the word 'backdating". Just focus on getting the Member Since dates in historical synch. If that still doesn't work, I would pay the $900 off or at least discuss it with them to see if they'll budge. This is my personal opinion. Other's might disagree..

 

If there is a policy now that they won't BD because of a prior loss, then eliminate the loss issue and see what they say (before you send them any money). Once again, I would be very open to discuss and not pushy with them to see if that works. The goal is to get your TL backdated anyway that is feasible to continue your good relationship with Amex.

 

Yeah, my card and the website says 1995 on it. I called about a week after I got the card and only mentioned that I thought the member since date was wrong because I had a card back in 97. The CSR not only put in the request, she corrected me in that I had the card since 95. They ordered me a new card then and there.

I was hoping that it would start reporting as 1995 but I have no problem waiting a month or two to see if they'll do it on their own. Besides, I don't want to rock the boat until after I get my 61 day CLI

 

 

Ok, thx for the update! Yep, I wouldn't do anything to endanger the CLI either! I did let my card report a balance on the first statement and my account updated within 2 - 3 weeks max. I was hoping I didn't have to wait 2 or 3 months! Been letting report as $0 since then and it updates like clockwork so far.

 

Good luck. Let us know if it changes, Lummy. Ponder paying the $900 if all else fails. Maybe they'll budge.

Edited August 30, 2012 by SparkyinCA

[SomeGuyInCA]

Man I wish I could get some backdating from Amex. I had a couple corporate green cards over the years, the oldest in the mid 90's. It would be so great to get that as my member date.

[Lummy]

Gaby, you are likely wrong. Future Amex will get backdated to 2012 as I understand the current policy

 

Can you please point me to these other folks who have fallen victim to this? I still have not found one, so I'm not entirely convinced it's as much a "new policy" as it is "bad luck."

 

I can't say yet whether I'm a victim of new Amex policy or not. I opened a BCE on 7/1 even tho I owed them ~900 from 1997. I called up and the CSR gladly changed my "member since date" to 95. The card finally reported today with an "opened 7/1/2012" date.

 

Now rumor has it that the BD tends to take 2 or 3 months so all I can do is wait and see

 

Just curious, Lummy.. Did you request a replacement card with the 1995 date on it on the BCE? If not, I would. Don't mention the backdating issue. Just request the new card and they'll send you a new one (probably Saturday you'll get it if you call today). Keep your tone "light and fluffy" as I call it with the Amex CSR. If your Member Since Date says 1995 on your logon screen with Amex, and you have a physical card that says 1995, then after a couple of statement cycles I would call and ask what's up with the dates. Don't use the word 'backdating". Just focus on getting the Member Since dates in historical synch. If that still doesn't work, I would pay the $900 off or at least discuss it with them to see if they'll budge. This is my personal opinion. Other's might disagree..

 

If there is a policy now that they won't BD because of a prior loss, then eliminate the loss issue and see what they say (before you send them any money). Once again, I would be very open to discuss and not pushy with them to see if that works. The goal is to get your TL backdated anyway that is feasible to continue your good relationship with Amex.

 

Yeah, my card and the website says 1995 on it. I called about a week after I got the card and only mentioned that I thought the member since date was wrong because I had a card back in 97. The CSR not only put in the request, she corrected me in that I had the card since 95. They ordered me a new card then and there.

I was hoping that it would start reporting as 1995 but I have no problem waiting a month or two to see if they'll do it on their own. Besides, I don't want to rock the boat until after I get my 61 day CLI

 

 

Ok, thx for the update! Yep, I wouldn't do anything to endanger the CLI either! I did let my card report a balance on the first statement and my account updated within 2 - 3 weeks max. I was hoping I didn't have to wait 2 or 3 months! Been letting report as $0 since then and it updates like clockwork so far.

 

Good luck. Let us know if it changes, Lummy. Ponder paying the $900 if all else fails. Maybe they'll budge.

 

Bob was the one who told me to wait 2-3 months for it to report the BD so that's what I'm going by. Right now it's only reporting on EX. I expect to see it show on EQ and TU by the end of the week. One thing I did notice is that my score didn't take a nose dive today with the new card. I do have another card that I opened at the same time tho.

[tifozi]

Man I wish I could get some backdating from Amex. I had a couple corporate green cards over the years, the oldest in the mid 90's. It would be so great to get that as my member date.

 

Yes it is possible. Give it a try. The probability of it getting backdated is higher if the corp card was from a smaller sized company and not one of the big bads.

 

 

1) The conversation should go like "Hello, I recently got my xx card, but noticed that the member since date was not reflected accurately, can you please help me get it corrected?". Some might ask what is the correct one, but MOST won't and just put you on hold and try to locate the old account for you.

 

If they can't find it,

 

2) Do NOT mention that it was a corp card. Don't give them a reason to reject the request. Just call it "a regular green card you had from xx year" and additionally fax it or give the card # to help find the account (if you have these).Try to get an accurate idea of the year you got the card. If you have it physically, much much higher chance. Even if you don't, just try to recall when you first got it, at least narrow down the year. Mid 90s is pretty vague.

 

If they still can't find it

 

3) Thank them profusely for trying (they deserve it) and hang up.

 

Try again after some time. With the right agent it can be done.

[cashnocredit]

There are time limits to backdating even if you had an original member card.

 

I had a personal Green then Gold Amex back around 1975 that was closed around 1982. Good terms, never late.

 

I have my Gold Amex card number written on the AF check circa 1978. I can't get my Amex Plat backdated. Aside from looking up my history, which no longer exists at Amex, they looked up the card number but it had been recycled and now belonged to another member.

 

Anyone else here that had a clear Amex record, their own card, and can't get it D* because it was just too long ago?

[Crashem]

There are time limits to backdating even if you had an original member card.

 

I had a personal Green then Gold Amex back around 1975 that was closed around 1982. Good terms, never late.

 

I have my Gold Amex card number written on the AF check circa 1978. I can't get my Amex Plat backdated. Aside from looking up my history, which no longer exists at Amex, they looked up the card number but it had been recycled and now belonged to another member.

 

Anyone else here that had a clear Amex record, their own card, and can't get it D* because it was just too long ago?

 

You just need to try and try again. Someone I helped had same issue with recycled number. Do you have any other proof aside from number? If you do, offer to send it in. With right rep, it will happen.

[Gaby10]

Got a call from a nice lady in the Executive Office in response to a post-call survey I filled out after my last experience.

 

She confirmed to me that YES, even those whose accounts were charged off or discharged in bankruptcy are supposed to be backdated. She has promised to make sure my account reports correctly, but we all know that sometimes doesn't work out the way it should (Patelco told me the Executive Office approved the deletion of an inquiry they'd said they weren't to pull... yet there it sits). So we'll see. Anyone who gets one of those surveys after they call... DO fill it out and DO say you'd like a followup call.

 

Anyway, just thought I'd share. FWIW.

[BDK]

Got a call from a nice lady in the Executive Office in response to a post-call survey I filled out after my last experience.

 

She confirmed to me that YES, even those whose accounts were charged off or discharged in bankruptcy are supposed to be backdated. She has promised to make sure my account reports correctly, but we all know that sometimes doesn't work out the way it should (Patelco told me the Executive Office approved the deletion of an inquiry they'd said they weren't to pull... yet there it sits). So we'll see. Anyone who gets one of those surveys after they call... DO fill it out and DO say you'd like a followup call.

 

Anyway, just thought I'd share. FWIW.

 

*fingers crossed for ya*

[Gaby10]

Got a call from a nice lady in the Executive Office in response to a post-call survey I filled out after my last experience.

 

She confirmed to me that YES, even those whose accounts were charged off or discharged in bankruptcy are supposed to be backdated. She has promised to make sure my account reports correctly, but we all know that sometimes doesn't work out the way it should (Patelco told me the Executive Office approved the deletion of an inquiry they'd said they weren't to pull... yet there it sits). So we'll see. Anyone who gets one of those surveys after they call... DO fill it out and DO say you'd like a followup call.

 

Anyway, just thought I'd share. FWIW.

 

*fingers crossed for ya*

 

Thanks, hon. Fingers crossed for everyone here. I think if AmEx has decided you're worthy of coming back into the fold after past mistakes, you should be be treated equally.

[Crashem]

1346427122[/url]' post='4740943']

1346426991[/url]' post='4740942']

1346426786[/url]' post='4740940']

Got a call from a nice lady in the Executive Office in response to a post-call survey I filled out after my last experience.

 

She confirmed to me that YES, even those whose accounts were charged off or discharged in bankruptcy are supposed to be backdated. She has promised to make sure my account reports correctly, but we all know that sometimes doesn't work out the way it should (Patelco told me the Executive Office approved the deletion of an inquiry they'd said they weren't to pull... yet there it sits). So we'll see. Anyone who gets one of those surveys after they call... DO fill it out and DO say you'd like a followup call.

 

Anyway, just thought I'd share. FWIW.

 

*fingers crossed for ya*

 

Thanks, hon. Fingers crossed for everyone here. I think if AmEx has decided you're worthy of coming back into the fold after past mistakes, you should be be treated equally.

 

Good luck. Great backdoor if it works

[Gaby10]

Got a call from a nice lady in the Executive Office in response to a post-call survey I filled out after my last experience.

 

She confirmed to me that YES, even those whose accounts were charged off or discharged in bankruptcy are supposed to be backdated. She has promised to make sure my account reports correctly, but we all know that sometimes doesn't work out the way it should (Patelco told me the Executive Office approved the deletion of an inquiry they'd said they weren't to pull... yet there it sits). So we'll see. Anyone who gets one of those surveys after they call... DO fill it out and DO say you'd like a followup call.

 

Anyway, just thought I'd share. FWIW.

 

*fingers crossed for ya*

 

Thanks, hon. Fingers crossed for everyone here. I think if AmEx has decided you're worthy of coming back into the fold after past mistakes, you should be be treated equally.

 

Good luck. Great backdoor if it works

 

 

She said that's the policy and what happened to me was a mistake, though... she's not making a special exception for me because I filled out a survey. We'll see. She may very well come back and say "oops, unlucky you... we changed the policy riiiiight when your card was set to report!"

 

 

[Crashem]

1346429083[/url]' post='4740970']

1346427796[/url]' post='4740953']

1346427122[/url]' post='4740943']

1346426991[/url]' post='4740942']

1346426786[/url]' post='4740940']

Got a call from a nice lady in the Executive Office in response to a post-call survey I filled out after my last experience.

 

She confirmed to me that YES, even those whose accounts were charged off or discharged in bankruptcy are supposed to be backdated. She has promised to make sure my account reports correctly, but we all know that sometimes doesn't work out the way it should (Patelco told me the Executive Office approved the deletion of an inquiry they'd said they weren't to pull... yet there it sits). So we'll see. Anyone who gets one of those surveys after they call... DO fill it out and DO say you'd like a followup call.

 

Anyway, just thought I'd share. FWIW.

 

*fingers crossed for ya*

 

Thanks, hon. Fingers crossed for everyone here. I think if AmEx has decided you're worthy of coming back into the fold after past mistakes, you should be be treated equally.

 

Good luck. Great backdoor if it works

 

 

She said that's the policy and what happened to me was a mistake, though... she's not making a special exception for me because I filled out a survey. We'll see. She may very well come back and say "oops, unlucky you... we changed the policy riiiiight when your card was set to report!"

 

 

 

Good vibes please.

[Gaby10]

Got a call from a nice lady in the Executive Office in response to a post-call survey I filled out after my last experience.

 

She confirmed to me that YES, even those whose accounts were charged off or discharged in bankruptcy are supposed to be backdated. She has promised to make sure my account reports correctly, but we all know that sometimes doesn't work out the way it should (Patelco told me the Executive Office approved the deletion of an inquiry they'd said they weren't to pull... yet there it sits). So we'll see. Anyone who gets one of those surveys after they call... DO fill it out and DO say you'd like a followup call.

 

Anyway, just thought I'd share. FWIW.

 

*fingers crossed for ya*

 

Thanks, hon. Fingers crossed for everyone here. I think if AmEx has decided you're worthy of coming back into the fold after past mistakes, you should be be treated equally.

 

Good luck. Great backdoor if it works

 

 

She said that's the policy and what happened to me was a mistake, though... she's not making a special exception for me because I filled out a survey. We'll see. She may very well come back and say "oops, unlucky you... we changed the policy riiiiight when your card was set to report!"

 

 

 

Good vibes please.

I'm sure hoping that it was bad luck and not new policy, trust me!!! Although it would be their right to not extend certain privileges to people who have burned them in the past, it's a bit unfair to do it for some and not others. Do what you want, just be consistent.

[SparkyinCA]

Got a call from a nice lady in the Executive Office in response to a post-call survey I filled out after my last experience.

 

She confirmed to me that YES, even those whose accounts were charged off or discharged in bankruptcy are supposed to be backdated. She has promised to make sure my account reports correctly, but we all know that sometimes doesn't work out the way it should (Patelco told me the Executive Office approved the deletion of an inquiry they'd said they weren't to pull... yet there it sits). So we'll see. Anyone who gets one of those surveys after they call... DO fill it out and DO say you'd like a followup call.

 

Anyway, just thought I'd share. FWIW.

 

 

Yay! Hope it comes through for you, Gaby10!

 

 

[BobWang]

Got a call from a nice lady in the Executive Office in response to a post-call survey I filled out after my last experience.

 

She confirmed to me that YES, even those whose accounts were charged off or discharged in bankruptcy are supposed to be backdated. She has promised to make sure my account reports correctly, but we all know that sometimes doesn't work out the way it should (Patelco told me the Executive Office approved the deletion of an inquiry they'd said they weren't to pull... yet there it sits). So we'll see. Anyone who gets one of those surveys after they call... DO fill it out and DO say you'd like a followup call.

 

Anyway, just thought I'd share. FWIW.

Nice strategy!