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AMEX question

Established Contributor

AMEX question

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


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 1 of 15
14 REPLIES
Valued Contributor

Re: AMEX question

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

Message 2 of 15
Super Contributor

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) 

Message 3 of 15
Established Contributor

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: 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 4 of 15
Super Contributor

Re: AMEX question

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

Message 5 of 15
Valued Contributor

Re: AMEX question

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

Message 6 of 15
Established Contributor

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 Smiley LOL


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 7 of 15
Established Contributor

Re: AMEX question


trumpet-205 wrote:

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


Did you cancel your card?


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 8 of 15
Valued Contributor

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 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
Message 9 of 15
Valued Contributor

Re: AMEX question


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.

 

Message 10 of 15