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AMEX question

Established Contributor

Re: AMEX question


trumpet-205 wrote:

kobe2012 wrote:

trumpet-205 wrote:

ZYNC does look pretty, I used to have one so I know. Smiley LOL


Did you cancel your card?


Yep. I originally opened the card hoping to get BCE. That wasn't the case however, AMEX repeatedly denied me for high internal risk score on BCE. So I cancelled Zync right before the second AF.

 

On the side note however, I did get BCE yesterday. Here is how I did it,

 

Applied AMEX HHonors --> Approved for $2K @ 17.24% APR --> PC right after I received the card --> Now BCE, profit!

 

I went for HHonors router rather than BCE directly since HHonors did not offer intro APR, which made approval criteria much lower. Time to change my signature.

 


So Hilton honors is the easiest amex revolver? How long did you have your zync? I want the BCE that's why I applied for zync


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 11 of 15
Valued Contributor

Re: AMEX question

I had Zync closed to a year. I remember apping for BCE during 6, 8, and 10 months of holding Zync card. Every time AMEX threw high internal risk score as denial reason. So I canceled Zync right before second AF.

Message 12 of 15
Super Contributor

Re: AMEX question


trumpet-205 wrote:

I had Zync closed to a year. I remember apping for BCE during 6, 8, and 10 months of holding Zync card. Every time AMEX throws high internal risk score as denial reason. So I canceled Zync right before second AF.


I probably would've done the same thing. The zync seems like a great card for the relatively small AF, but if it's not doing anything for you definitely not worth it to keep it, especially if amex won't let you grow 

Message 13 of 15
Established Contributor

Re: AMEX question


trumpet-205 wrote:

I had Zync closed to a year. I remember apping for BCE during 6, 8, and 10 months of holding Zync card. Every time AMEX throws high internal risk score as denial reason. So I canceled Zync right before second AF.


I'm sorry but what was your score at thedenial... Any baddies?


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 14 of 15
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Valued Contributor

Re: AMEX question


kobe2012 wrote:

trumpet-205 wrote:

I had Zync closed to a year. I remember apping for BCE during 6, 8, and 10 months of holding Zync card. Every time AMEX throws high internal risk score as denial reason. So I canceled Zync right before second AF.


I'm sorry but what was your score at thedenial... Any baddies?


AMEX internal risk score is not a public score, so you will never know the numerical value of this score. Basically internal risk score takes your existing AMEX history, FICO score, and various thing on your credit report and produce a number that only AMEX knows.

 

No baddies what so ever, just thin files (my guess for high internal risk score).

 

Message 15 of 15