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695 for Amex zync?

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720ismygoal
Regular Contributor

695 for Amex zync?

hi all,

 

Look at my information below and let me your if its a go for an Amex Zync. One inquire in the last 12 months from all three reports. UTI is 25%

 

Thanks guys!

Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
Discover: $1,000-FICO 695 4/25/12---------Bringing home Amex in 2013!
Cap1: $750 Gardening mode until April 2013
Cap1: $500



Message 1 of 12
11 REPLIES 11
modernsurrender
Established Contributor

Re: 695 for Amex zync?

I got approved for the Zync (npsl) last Tuesday (it got here today - speedy) and have similar scores to yours (slightly lower), several baddies (COs, collections) that are 5-7 years old and 2-3 inq's on each report at the time of application.

 

Can't say anything for sure, but I'll cross my fingers for you!

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Message 2 of 12
webhopper
Moderator Emeritus

Re: 695 for Amex zync?

I think you have a decent chance of approval with them!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 3 of 12
720ismygoal
Regular Contributor

Re: 695 for Amex zync?


@modernsurrender wrote:

I got approved for the Zync (npsl) last Tuesday (it got here today - speedy) and have similar scores to yours (slightly lower), several baddies (COs, collections) that are 5-7 years old and 2-3 inq's on each report at the time of application.

 

Can't say anything for sure, but I'll cross my fingers for you!


Congrats on the Amex Card! it must feel good, huh? I think i'm going to wait until my Discover card hits one year old, which will be next April. i want to make sure i get it.

Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
Discover: $1,000-FICO 695 4/25/12---------Bringing home Amex in 2013!
Cap1: $750 Gardening mode until April 2013
Cap1: $500



Message 4 of 12
snowangel
Frequent Contributor

Re: 695 for Amex zync?

My scores are also slightly lower than yours and I was approved.



EQ: 662 | TU: 682 | EX Plus: 764
SL baddies fall off between Jan '13 - Oct '14
Message 5 of 12
720ismygoal
Regular Contributor

Re: 695 for Amex zync?


@snowangel wrote:

My scores are also slightly lower than yours and I was approved.



Do you like the card? did you the NPSL?

Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
Discover: $1,000-FICO 695 4/25/12---------Bringing home Amex in 2013!
Cap1: $750 Gardening mode until April 2013
Cap1: $500



Message 6 of 12
modernsurrender
Established Contributor

Re: 695 for Amex zync?


@720ismygoal wrote:

Congrats on the Amex Card! it must feel good, huh? I think i'm going to wait until my Discover card hits one year old, which will be next April. i want to make sure i get it.


Thanks Smiley Happy You should get it easily next year, you might even be able to skip the Zync and get a revolver by then!

 

I feel terrible saying it, but I only got one because "everyone else is doing it".  I won't use it because if I'm going to PIF every month I rather PIF on the card I've longed for since 2007 and finally got (Southwest).  I just figured that someday I would probably want a revolver from them, and paying $25 a year to have that future card backdated would be worth it.  

 

Plus, if I'm still with Amex and AU backdating still helps 10 years from now, then my son can have a nice AAoA right out of the gate lol

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Message 7 of 12
snowangel
Frequent Contributor

Re: 695 for Amex zync?

I've only had it for a few months and I don't use it much right now sinceI'm trying to meet minimum spending on other cards.  The sync your card features which gives you nice little credits for shopping at certain places are definitely nice.  I dont like that I had to pay to add my sister as an AU but I do like that I get to limit her spending.  



EQ: 662 | TU: 682 | EX Plus: 764
SL baddies fall off between Jan '13 - Oct '14
Message 8 of 12
Anonymous
Not applicable

Re: 695 for Amex zync?

Go for it

 

I got approved with a 660 credit score.

Message 9 of 12
Meltdownblitz
Frequent Contributor

Re: 695 for Amex zync?

I also got approved for that card almost a year ago with a 675 credit score. I think you have a good chance to get approved.



Barclays Uber - 4% Restaurants, 2% Online Purchases/Everyday Card || PenFed Cash - 5% Gas || Amazon Visa Signature - 5% Amazon || U.S. Bank Cash+ - 5% Utilities, 5% Cable/Internet || AMEX BCP - 6% Groceries || WF Cash - Cell Insurance || Rotating 5% Categories - Chase Freedom, Discover It, Citi Dividend || AMEX Zync - For Fun!

Message 10 of 12
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