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A surprising Amex Zync Approval!!!

New Member

A surprising Amex Zync Approval!!!

Hello all!

 

I applied for the Amex zync today and was APPROVED instantly with NPSL!

Im very surprised with this because i have a very short credit history with alot of inquiries.

Credit lines:

Capital One Secured $70/$300 opened Dec 2011

NFCU Cash rewards $0/500 opened Jul 2012

Amex Skymiles (Authorized User) opened Aug 2012 $692/$4000

 

According to CreditKarma i have only 8 months total revolving credit

 

I have been denied about 4 times within the past 6 months

 

I am so happy to OFFCIALLY be a part of the Amex family!!!

 

Message 1 of 14
13 REPLIES
Valued Contributor

Re: A surprising Amex Zync Approval!!!

Awesome, grats!

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 2 of 14
Mega Contributor

Re: A surprising Amex Zync Approval!!!

CONGRATS!!!

 

It's possible the AU status on the AMEX helped your approval.




EQ FICO 548 3/3/16
Message 3 of 14
Established Contributor

Re: A surprising Amex Zync Approval!!!

Well done!! Gives me extra motivation.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 4 of 14
New Contributor

Re: A surprising Amex Zync Approval!!!

Congratulations on the new AMEX!

Message 5 of 14
Valued Member

Re: A surprising Amex Zync Approval!!!

Congrats. I also got approved however, I got stuck with a $500 pre-set spending limit. Smiley Tongue

 

Still, more than I'll ever need for a Charge Card. Anything more and it is up to my chase freedom.


Current Score: 660 EQ 651 TU 677 EX (via CreditInform)
Starting Score: 639 EQ 654 TU 638 EX (via CreditInform)
Goal Score: 700 Across the Board


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What's in my wallet?

Cap1 Secured MC $500 | Cap1 Visa $750 | BBY Storecard $3,100 | Chase Freedom $4,000 | AMEX Zync $500
Message 6 of 14
Moderator

Re: A surprising Amex Zync Approval!!!

Nah OP, you're right in line with Zync approvals, the repeated denials resulting in inquiries is the only eyebrow-raising thing, and those might not have been on your EX report anyway.

 

I don't know where everyone has gotten this one year thing stuck in their heads, when I started reading this forum in Dec/Jan people were routinely getting Zyncs with six months history, and if anything Amex has probably loosened their criteria.

 

In any event, congrats!  Starting to think maybe I have a legit shot at a Zync in a few months.

 

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 7 of 14
Mega Contributor

Re: A surprising Amex Zync Approval!!!


Revelate wrote:

Nah OP, you're right in line with Zync approvals, the repeated denials resulting in inquiries is the only eyebrow-raising thing, and those might not have been on your EX report anyway.

 

I don't know where everyone has gotten this one year thing stuck in their heads, when I started reading this forum in Dec/Jan people were routinely getting Zyncs with six months history, and if anything Amex has probably loosened their criteria.

 

In any event, congrats!  Starting to think maybe I have a legit shot at a Zync in a few months.

 

 


To get NPSL they are looking for good history and score. They didnt approve me until my scores were over 670.

 




EQ FICO 548 3/3/16
Message 8 of 14
Moderator

Re: A surprising Amex Zync Approval!!!


LS2982 wrote:

Revelate wrote:

Nah OP, you're right in line with Zync approvals, the repeated denials resulting in inquiries is the only eyebrow-raising thing, and those might not have been on your EX report anyway.

 

I don't know where everyone has gotten this one year thing stuck in their heads, when I started reading this forum in Dec/Jan people were routinely getting Zyncs with six months history, and if anything Amex has probably loosened their criteria.

 

In any event, congrats!  Starting to think maybe I have a legit shot at a Zync in a few months.

 

 


To get NPSL they are looking for good history and score. They didnt approve me until my scores were over 670.

 


I mean no offense my friend, but you were an outlier on this forum, let alone compared to the vast sum of humanity out there.

 

Your approval process was nowhere close to the norm, people are indeed getting NPSL cards without anywhere close to what you went through.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 9 of 14
Valued Contributor

Re: A surprising Amex Zync Approval!!!

congrats!

 

whats your EX score?

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 10 of 14