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Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
0

Re: AMEX ZYNC!

Congrats on the approval! Make sure you get the home pack so you can go buy yourself some lightbulbs or papertowels for free!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: AMEX ZYNC!

Congrats

Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012
0

Re: AMEX ZYNC!

thanks everyone!!!!! i have 3 charge offs 2 collections on my EX... income $50k and 8 inquiries in 6 months!!!....i chose restaurant pack... can I still change it when I get the card?? which one is the best one???


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



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

Re: AMEX ZYNC!

I believe you can change your packs monthly. Definitely work on the negs, try for removals. The 8 inquiries may be an issue.


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

Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012
0

Re: AMEX ZYNC!


-Cain- wrote:

I believe you can change your packs monthly. Definitely work on the negs, try for removals. The 8 inquiries may be an issue.


Yea, I been itching to reapply ... 2 chargeoffs would fall off this december but I just couldn't wait.... maybe my chances of getting a freedom card is much higher, now that I have an Amex..... but i'll be gardening now for sure!!!! this baby is more than enough as a rebuilder


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



Regular Contributor
ACsteel
Posts: 235
Registered: ‎08-19-2012
0

Re: AMEX ZYNC!

Congrats for being in w/Amex, however I am confused, you got an Amex Zync Charge card that has a hard limit?? I though all Amex cards were NPSL???


Garden Member Since: 2014 - 4 - 1
EX FICO | 2014 - 3 - 1 | 793
Senior Contributor
jsucool76
Posts: 3,214
Registered: ‎12-11-2011
0

Re: AMEX ZYNC!

If you don't qualify for NPSL with the zync, but you do qualify for their counter offer, you will be given the option of a $200 limit, or a $500 limit with autopay. 

Frequent Contributor
atarvuzdar
Posts: 375
Registered: ‎01-20-2012
0

Re: AMEX ZYNC!

Congrats, kobe. I app'd for Zync today too and got the counteroffer as well. Nearly fell out of my chair, I couldn't care less about the hard $500 limit, I'm just happy to be in w/ AMEX. :smileyhappy: Again, congrats!

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012
0

Re: AMEX ZYNC!


atarvuzdar wrote:

Congrats, kobe. I app'd for Zync today too and got the counteroffer as well. Nearly fell out of my chair, I couldn't care less about the hard $500 limit, I'm just happy to be in w/ AMEX. :smileyhappy: Again, congrats!


Thank you and congrats to you as well!!!! we are finally in!.. :smileyhappy: ...... one question, what is backdating???


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
creditnocash
Posts: 2,236
Registered: ‎07-23-2012
0

Re: AMEX ZYNC!

[ Edited ]

congrats on the card appd for mine 8/30 and got it a couple days ago. 

same 500 hard limit but whatever. got my foot in the door. (at least two prime cards this summer) 

 

backdating is say you get the card 9/12 that is your starting date. 

 

you apply in january of 14 (which is my plan) for another amex. you get approved. 

the way the report the tl as opened in january of 12 and not 14. 

so it helps your aaoa. 

 

edit: AMEX is the ONLY company that does this. 

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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