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Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

AMEX ZYNC!

[ Edited ]

I did something bad today and stepped out of the garden.... i applied for Zync and only got $500 preset limit :smileyembarrassed:... am happy I finally got my foot in the door after three tries in 6 months... i applied two months ago!!!! Now, would I ever get the hard limit removed??? I really don't wanna get stuck with another $500 limit card (but it is AMEX after all)..... what are the chances of me getting approve for their revolver????? am super happy cause this means my credit is getting a lot better....


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
j_casteel
Posts: 1,918
Registered: ‎06-21-2012
0

Re: AMEX ZYNC!

[ Edited ]

kobe2012 wrote:

I did something bad today and stepped out of the garden.... i applied for Zync and only got $500 preset limit :smileyembarrassed:... am happy I finally got my foot in the door after three tries in 6 months... i applied two months ago!!!! Now, would I ever get the hard limit removed??? I really don't wanna get stuck with another $500 limit card (but it is AMEX after all)..... what are the chances of me getting approve for their revolver????? am super happy cause this means my credit is getting a lot better....


congrats on the card....the hard limit will not ever be removed. Doubtful that you could get a revolver since you were counter-offered with the hard limit and wasn't approved for the NPSL.

| 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
Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: AMEX ZYNC!


j_casteel wrote:

kobe2012 wrote:

I did something bad today and stepped out of the garden.... i applied for Zync and only got $500 preset limit :smileyembarrassed:... am happy I finally got my foot in the door after three tries in 6 months... i applied two months ago!!!! Now, would I ever get the hard limit removed??? I really don't wanna get stuck with another $500 limit card (but it is AMEX after all)..... what are the chances of me getting approve for their revolver????? am super happy cause this means my credit is getting a lot better....


congrats on the card....the hard limit will not ever be removed. Doubtful that you could get a revolver since you were counter-offered with the hard limi and weren't approved for the NPSL.


A revolver in the future in I meant??? would I stand a chance, let's say in 6 months?


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Senior Contributor
jsucool76
Posts: 4,017
Registered: ‎12-11-2011
0

Re: AMEX ZYNC!

I think I've heard of 2 or 3 people getting the hard limit removed, as opposed to tens if not a hundred counts of people having no luck getting it removed. After building up a history, it's worth trying for, but I wouldn't bet on it happening. Their policy on this might change in the future though and you may just get lucky. :smileyvery-happy:

 

Enjoy your amex membership, I can't wait till I app for the zync. :smileyvery-happy: 

;
Community Leader
Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011
0

Re: AMEX ZYNC!

Use your Zync responsibly and shoot for a revolver in January. Let inquiries age, show good usage and payment, and work on any issues on your reports that may have hurt you that caused a hard limit to be placed.


Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Valued Contributor
j_casteel
Posts: 1,918
Registered: ‎06-21-2012
0

Re: AMEX ZYNC!


kobe2012 wrote:

j_casteel wrote:

kobe2012 wrote:

I did something bad today and stepped out of the garden.... i applied for Zync and only got $500 preset limit :smileyembarrassed:... am happy I finally got my foot in the door after three tries in 6 months... i applied two months ago!!!! Now, would I ever get the hard limit removed??? I really don't wanna get stuck with another $500 limit card (but it is AMEX after all)..... what are the chances of me getting approve for their revolver????? am super happy cause this means my credit is getting a lot better....


congrats on the card....the hard limit will not ever be removed. Doubtful that you could get a revolver since you were counter-offered with the hard limi and weren't approved for the NPSL.


A revolver in the future in I meant??? would I stand a chance, let's say in 6 months?


possibly, some say that having the Zync or being "in" with AMEX for 6-12 months helps out and others say it doesn't make a difference. I don't think it hurts your chances!

| 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
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: AMEX ZYNC!


jsucool76 wrote:

I think I've heard of 2 or 3 people getting the hard limit removed, as opposed to tens if not a hundred counts of people having no luck getting it removed. After building up a history, it's worth trying for, but I wouldn't bet on it happening. Their policy on this might change in the future though and you may just get lucky. :smileyvery-happy:

 

Enjoy your amex membership, I can't wait till I app for the zync. :smileyvery-happy: 


Don't worry about that.   Garden it,, improve your score then apply for the Amex you want and enjoy their backdating!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
TwinGirls19
Posts: 238
Registered: ‎01-29-2012
0

Re: AMEX ZYNC!

Its an amex!!! Who cares if its 500 bucks... That is gonna look so sexy in your purse lol sorry getting carried away. You and i almost have similar scores do u mind me askig whts your income lookin like when you applied? Any collections etc

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: AMEX ZYNC!


jsucool76 wrote:

I think I've heard of 2 or 3 people getting the hard limit removed, as opposed to tens if not a hundred counts of people having no luck getting it removed. After building up a history, it's worth trying for, but I wouldn't bet on it happening. Their policy on this might change in the future though and you may just get lucky. :smileyvery-happy:

 

Enjoy your amex membership, I can't wait till I app for the zync. :smileyvery-happy: 


lol, I wanna be the 4th person to get the hard limit removed !!!.... I'm so bad I just couldn't wait til december... but I'd probably just use it to pay my cell phone bill... to be on the safe side.... my first prime!!!!!!!!!! i'll treat it like a newborn.. :smileylol:


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
0

Re: AMEX ZYNC!

Congrats! You're in with Amex.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13

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