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Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
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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
Posts: 1,837
Registered: ‎08-20-2012
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Re: AMEX ZYNC!

Congrats

Established Contributor
Posts: 1,019
Registered: ‎03-16-2012
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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: 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
Valued Contributor
Posts: 1,659
Registered: ‎04-06-2011
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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 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


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Established Contributor
Posts: 1,019
Registered: ‎03-16-2012
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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: 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
Frequent Contributor
Posts: 254
Registered: ‎08-19-2012
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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???

Super Contributor
Posts: 7,534
Registered: ‎12-11-2011
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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
Posts: 409
Registered: ‎01-20-2012
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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. Smiley Happy Again, congrats!

Citi Double Cash $16,600 / BofA Cash Rewards Visa Sig $11,000 / Barclaycard Rewards $8,900 / CapOne Platinum $7,450 / BofA BankAmericard Visa $3,500 / eBay MC $5,800 / Discover It $5,000 / Chase Freedom $1,500 / Lowe's $8,500 / JCP MC $6,500 / Walmart $5,000 / Amazon $4,100
Established Contributor
Posts: 1,019
Registered: ‎03-16-2012
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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. Smiley Happy Again, congrats!


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


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
Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
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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 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

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