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Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012
0

Re: AMEX question


trumpet-205 wrote:

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.

 


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: 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: 2,324
Registered: ‎11-11-2010
0

Re: AMEX question

[ Edited ]

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.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (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: 2,950
Registered: ‎12-11-2011
0

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 

Wallet: Capital One Quicksilver 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 3000CL, Walmart Discover: 3500CL, Barclay Arrival: 3500CL, Chase Slate: 1000CL, Discover IT: 2000CL, Citi Forward: 2600CL, Bank Of America Student Travel Rewards: 2700CL, Amex PRG, Citi DoubleCash: 1200CL, Chase Marriot: 5000CL
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012
0

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: 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: 2,324
Registered: ‎11-11-2010
0

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).

 

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (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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