Reply
New Member
paul26
Posts: 4
Registered: ‎08-13-2012
0

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!!!

 

Valued Contributor
Repo-ed
Posts: 2,960
Registered: ‎02-09-2012
0

Re: A surprising Amex Zync Approval!!!

Awesome, grats!

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: A surprising Amex Zync Approval!!!

CONGRATS!!!

 

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




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012
0

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
New Contributor
ntx
Posts: 66
Registered: ‎08-02-2012
0

Re: A surprising Amex Zync Approval!!!

Congratulations on the new AMEX!

Established Member
ali5541
Posts: 31
Registered: ‎08-08-2012
0

Re: A surprising Amex Zync Approval!!!

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

 

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


Take the FICO Fitness Challenge

What's in my wallet?

Cap1 Secured MC $500 | Cap1 Visa $750 | BBY Storecard $3,100 | Chase Freedom $4,000 | AMEX Zync $500
Moderator
Revelate
Posts: 9,758
Registered: ‎12-30-2011
0

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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

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.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator
Revelate
Posts: 9,758
Registered: ‎12-30-2011
0

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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Valued Contributor
j_casteel
Posts: 1,918
Registered: ‎06-21-2012
0

Re: A surprising Amex Zync Approval!!!

congrats!

 

whats your EX score?

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}