Reply
Established Contributor
corymcd88
Posts: 510
Registered: ‎12-12-2011

AMEX card?

I have an AMEX ZYNC since Jan 2012 Spending limit is $3000.00 I asked about product change I can't. I would like AMEX BCE card. My EX score is 701. If I apply is a HP or a SP?

Walmart / GECRB - 1,900/1,800, JCP / GECRB - 1,300, Dillard's / GECRB - 1,000, Amazon / GECRB - 1,700, Chevron / GECRB - 1,300, Belk / GECRB - 1,563, QVC / GECRB - 700, US Bank - 300, Credit One - 750, Capital One - 375/500, Bank Of America 123 Cash Back - 300, Wells Fargo - 300, AMEX ZYNC - NPSL ($2,500), USAA AMEX - 250, PenFed Personal Loan - 250, PenFed Personal Loan - 400.
Valued Contributor
jsucool76
Posts: 2,668
Registered: ‎12-11-2011

Re: AMEX card?


corymcd88 wrote:

I have an AMEX ZYNC since Jan 2012 Spending limit is $3000.00 I asked about product change I can't. I would like AMEX BCE card. My EX score is 701. If I apply is a HP or a SP?


Right now it is policy that you can not PC a zync to anything, although I don't think you could PC any charge product to a revolver. 

 

If you applied now you would get a HP if you were approved, but a SP if denied, so there isn't anything to lose really. 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Mega Contributor
LS2982
Posts: 14,509
Registered: ‎04-09-2011

Re: AMEX card?

You should consider Jan 2013 for backdating purposes.



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
Valued Contributor
jsucool76
Posts: 2,668
Registered: ‎12-11-2011

Re: AMEX card?


LS2982 wrote:
You should consider Jan 2013 for backdating purposes.

+1

 

Didn't even think of that!

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+