Reply
Valued Contributor
Posts: 1,608
Registered: ‎04-06-2011
0

Re: AMEX ZYNC!

[ Edited ]

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 723 07/15 (PSECU), TU08 699 05/15
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

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

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: 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



Super Contributor
Posts: 5,882
Registered: ‎12-11-2011
0

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. 

;
Valued Contributor
Posts: 2,296
Registered: ‎07-23-2012
0

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

Re: AMEX ZYNC!

[ Edited ]

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: 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
Posts: 2,296
Registered: ‎07-23-2012
0

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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.