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AMEX GOLD, GREEN, and ZYNC

Contributor

AMEX GOLD, GREEN, and ZYNC

Guys. Pre-Selected? I was shot down for CHASE freedom last month because of a few 30 day late reported 11, 12, 13, 14 months ago. Lender pull 701 EQ, my TU is 688. I wasn't considering a charge card but I do pay off in full every month, would LOVE an AMEX card. What do you guys think?

Secure Application Process

CONGRATULATIONS, MICHAEL. YOU'RE PRE-SELECTED FOR THE FOLLOWING CARDS:

 

       
 
American Express®Gold Card

American Express®Green Card

ZYNC from American Express®

 

 
 




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Overview
BofA Amex $7500| Discover IT- $10K| Chase Sapphire Preferred $10k | Cap One $2000| Citi Hilton Reserve $10k
Message 1 of 15
14 REPLIES
Regular Contributor

Re: AMEX GOLD, GREEN, and ZYNC

Hi ElMayimbe,

 

I think you should apply for whatever fits you in these 3 categories. Charge cards from AMEX are easier to get than their credit cards because they have to be paid in full.

 

 

PS: You should edit your post and take your name out... I dont think you're allowed full names in the forums due to it being personally identifiable information... but I could be wrong!

Message 2 of 15
Contributor

Re: AMEX GOLD, GREEN, and ZYNC

Thanks Credit_Repair. I'm worried though on another HP w/denial not sure if I should just wait more allowing more time to pass on the lates? I've heard charge cards are easier but I would hate to be turned down again.

BofA Amex $7500| Discover IT- $10K| Chase Sapphire Preferred $10k | Cap One $2000| Citi Hilton Reserve $10k
Message 3 of 15
Super Contributor

Re: AMEX GOLD, GREEN, and ZYNC

 

AMEX almost always pulls Experian for charge cards ~ are the lates on your EX file identical to what you reported ?   You might need to wait a few more months for the lates to age since they are just under a year old.    

 

Have you tried sending a GW letter to the creditor asking them them to remove the late payments ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 4 of 15
Contributor

Re: AMEX GOLD, GREEN, and ZYNC

Now that you mention it, my EX shows just one late in May 2011over my TU and EQ which show several lates most recently 11 months ago. Long story short, I got nowhere with Santander and the lates.

BofA Amex $7500| Discover IT- $10K| Chase Sapphire Preferred $10k | Cap One $2000| Citi Hilton Reserve $10k
Message 5 of 15
Regular Contributor

Re: AMEX GOLD, GREEN, and ZYNC

Just go for the Gold if you like rewards but if you just want a credit card then go for the Zync.

Message 6 of 15
Blogger

Re: AMEX GOLD, GREEN, and ZYNC


pizzadude wrote:

 

   You might need to wait a few more months for the lates to age since they are just under a year old.    

 


I agree with this statement.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 7 of 15
Frequent Contributor

Re: AMEX GOLD, GREEN, and ZYNC


ElMayimbe wrote:

Now that you mention it, my EX shows just one late in May 2011over my TU and EQ which show several lates most recently 11 months ago. Long story short, I got nowhere with Santander and the lates.



I just applied for AMEX today. They pulled EX.

PenFed Platinum Cash Rewards (19.5k), American Express Blue Cash Preferred (18k), Chase Sapphire Preferred (14k), Discover More (10k)
Message 8 of 15
Contributor

Re: AMEX GOLD, GREEN, and ZYNC

I'll get some itch-B-gone and wait. I would hate to burn an INQ, let me ask you guys this though, How long is enough to app again for a credit card i.e- freedom, sapphire, amex, etc.?

BofA Amex $7500| Discover IT- $10K| Chase Sapphire Preferred $10k | Cap One $2000| Citi Hilton Reserve $10k
Message 9 of 15
Established Contributor

Re: AMEX GOLD, GREEN, and ZYNC

I'd go for the green. The gold is not much of an upgrade really and costs 30 bucks more per year.

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Message 10 of 15