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Just asking, because I'm wondering if I should app for Zync or go straight past that and into another card come Sept/Oct.
My overall util should be close to 14% and my scores will probably float around mid 700's if not higher. I've just seen stories of people in 700's getting denied.
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@FrugalRican wrote:Any stories of people getting approved by an AMEX card without having had a Zync first?
Over the past 3 weeks got Amex Green, Gold and BCE. EQ FICO 720 due to inquiries for apping spree. Amex use their own internal scoring, Ive had Blue sky since2008 so ive established a good history . Once you get your foot in the door and play by the rules Amex really does you well.
The Blue Sky is the one I am secretly pining for, because of no AF.
Follow my financial journey: http://www.frugalrican.com
@FrugalRican wrote:The Blue Sky is the one I am secretly pining for, because of no AF.
My EQ Score was 700 when I got it in 2008. Have to admit it served me faithfully but I am retiring for BCE
Thanks. I'm going to wait til the Freedom INQ rolls off in July and my Disc More is about 6 months old and then I'll try my luck.
Follow my financial journey: http://www.frugalrican.com
@FicoTron wrote:I have been rebuilding for 2 years now and really want an AMEX. After checking periodically for the past year, I finally have pre-selected offers on their website for ZYNC, Green, and Blue. I know it would be smart getting in the door with ZYNC or Green, but I would like a revolver. I had a chargeoff from 2006 that I tried getting taken off until about December 2011, which is when I broke down and promptly paid. This chargeoff is not from a CC or loan, it was a rapid refund ($443) from H&R Block that wasn't paid back from the government and I didn't know until I began monitoring my scores in 2010. So that, and a 2 30day lates, both of which over 6 years old are on my report. EX fako is between 685-710. I am asking everyone who has been approved for an AMEX with similar, or worse scores, especially with a baddie or two, to post their app process and say what their score was AT THE TIME, and describe the baddies they had at that time as well. I look forward to some feedback.
I was in the same boat, with the same pre-selects, zync, green, blue, if i were you I would apply for the Blue first its the hardest to get. If you apply for zync the other offers may go away. I got the Blue, and 2 months later I still had a pre-select for zync and app'd and got it, the green pre-select disapeared.
So Apply for the best card you want that you are pre-selected for first.. because if you get it, you may be stuck waiting for 6 months to be safe to apply for the second card. I really should of applied for BCE, that I wasn't pre-selected for because that is what I really wanted, and you can only have one card from the blue family at the same time, I would have to pay off my blue, cancel and then re-app for the BCE. So I am waiting currently enjoying the 10k MRE points, spent $500 in 3 months, and 0% interest for 12 months. Perhaps next January my 13month point I will try for BCP either cancel and new app or PC. The cancel and re-app would give me a 2 year card, blue is 12/11, new card would be dated 1/11, and the blue would still get included in my AAoA for 10 years.
@pizzadude wrote:
I'm sure that you know this, but AMEX is very quirky when it comes to approvals; some people with 700+ scores have been rejected, others with 600ish scores approved.
I was counter~offerer approved last fall for ZYNC with $200 limit, with a sub 650 EX FICO. They never told me what it was, but I know it was low.
I had probably around 60% overall utilization; 3 paid CO accounts from 4 years ago, and lots of 7 year old late payments.
I'm so intrigued as to why I didn't this offer from them.............
@jamesdwi wrote:I was in the same boat, with the same pre-selects, zync, green, blue, if i were you I would apply for the Blue first its the hardest to get. If you apply for zync the other offers may go away. I got the Blue, and 2 months later I still had a pre-select for zync and app'd and got it, the green pre-select disapeared.
So Apply for the best card you want that you are pre-selected for first.. because if you get it, you may be stuck waiting for 6 months to be safe to apply for the second card. I really should of applied for BCE, that I wasn't pre-selected for because that is what I really wanted, and you can only have one card from the blue family at the same time, I would have to pay off my blue, cancel and then re-app for the BCE. So I am waiting currently enjoying the 10k MRE points, spent $500 in 3 months, and 0% interest for 12 months. Perhaps next January my 13month point I will try for BCP either cancel and new app or PC. The cancel and re-app would give me a 2 year card, blue is 12/11, new card would be dated 1/11, and the blue would still get included in my AAoA for 10 years.
+1
Got zync. I think they pulled EQ which I have 665 and about 54% or so util (which was false but I didn't want to wait for a statement to cut). 1 30 day late which I don't even know if it's showing up on EQ otherwise no baddies. 22 yrs old; longest acct is 4.4 yrs. $49,000 income. NPSL. Only got card for backdating purposes in the future.
The card is gorgeous. Infact I went to try it out this morning at starbucks and I got the reaction from the barista chick that I expected "wow! so shiny!"
I was denied by Amex with a credit score by Fico 652. They came back with a Zync $500.00 c/l if I had proof I had a checking account where they can take the money out every month. After the 6-12 month period the will make it unlimited spending. I had to baddies that were 6 years old. You have to get your foot in the door. Lets get that 800 credit score.