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

AMEX question

I received my Zync today and I was looking for my credit score...... Where would it be located?


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
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: AMEX question

ZYNC won't come with a credit score since you have no interest rate on your term.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: AMEX question

I don't think you get one with charge cards. 

 

A) You were accepted first of all (so no score there) 

 

B) With a charge card everyone gets the same terms, since there is no APR and you always PIF (You only get a score when approved if you don't get the best terms) 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Re: AMEX question

Oh ok.... Was hoping that I'd get my EX score..... Very pretty looking card I should say.. ..actually the prettiest of all the charge cards (in my opinion).,, 


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
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: AMEX question

I can't wait to get one D: I need to keep gardening though 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: AMEX question

ZYNC does look pretty, I used to have one so I know. :smileylol:

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Re: AMEX question


jsucool76 wrote:

I can't wait to get one D: I need to keep gardening though 


I couldn't resist the itch so I applied.... And now I'm in the garden mode since a collection from a 5 yr old charged off account popped up on my TU and EQ.. Am glad it didn't show up on my EX(yet) or i would probably be in trouble with AMEX :smileylol:


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



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

Re: AMEX question


trumpet-205 wrote:

ZYNC does look pretty, I used to have one so I know. :smileylol:


Did you cancel your card?


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: 2,185
Registered: ‎07-23-2012

Re: AMEX question

trumpet what happend to the card? 

 

 

and as for the score. 

i was dissapointed mine was not on there. 

since i got the 500 hard limit. 

 

from this forum like stated they dont provide one for charge cards as you cannot carry a balance.

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: AMEX question


kobe2012 wrote:

trumpet-205 wrote:

ZYNC does look pretty, I used to have one so I know. :smileylol:


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.

 

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

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