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AMEX ZYNC!

Valued Contributor

Re: AMEX ZYNC!

Backdating means future AmEx cards you obtain will have this year and the month you apply for the card as an open date.


Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


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Message 21 of 26
Established Contributor

Re: AMEX ZYNC!

So if i apply on march of 2013, the backdate for that card would be 01/2012???? Not 09/2012?

Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 22 of 26
Super Contributor

Re: AMEX ZYNC!

No it would be 03/12, It backdates to whatever month you apply during, to the year of your original amex card. That is why many people suggest applying during January because you get the whole year basically. 

Message 23 of 26
Valued Contributor

Re: AMEX ZYNC!


kobe2012 wrote:
So if i apply on march of 2013, the backdate for that card would be 01/2012???? Not 09/2012?

no if you apply in 3/13 it will read as opened 3/12  and your original card will still read 9/12 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 24 of 26
Established Contributor

Re: AMEX ZYNC!

Oh, thats awesome! That would help with my AAoA if i try on january... That would also be a soft pull right? And hard pull if approved??? ( on charge cards or revolvers)


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 25 of 26
Highlighted
Valued Contributor

Re: AMEX ZYNC!


kobe2012 wrote:

Oh, thats awesome! That would help with my AAoA if i try on january... That would also be a soft pull right? And hard pull if approved??? ( on charge cards or revolvers)


yes thats correct.

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 26 of 26