New Member
Posts: 3
Registered: ‎04-28-2012

APPROVED Amex ZYNC & Discover Student more card

[ Edited ]

I was approved for my first credit card in February - CapitalOne Secured 250$ CL.......CLI to 350$ 5 months in.

The following month I applied for a store card & was approved AmericanEagle 700$ CL

 I am a 22 Y/o College student..

I started applying to all the main card companies for student cards, etc. ALL denied.

I entered the garden until my 7th statement came out which would give me my established credit of 6 months. I waited till it was reported to the bureau and my CK score said 670.


Amex - 200$ CL, had the 500$ Autopay option.

Discover Student - 500$


Back to the garden....

Valued Contributor
Posts: 2,770
Registered: ‎12-11-2011

Re: APPROVED Amex ZYNC & Discover Student more card

Congrats. I'm gardening up too, college student, and  I wanna get the zync. Needa get my foot in the door with amex, they have some great cards, and I gotta lock in that member date. :smileyvery-happy: 

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
Mega Contributor
Posts: 15,434
Registered: ‎04-09-2011

Re: APPROVED Amex ZYNC & Discover Student more card


Take care of AMEX / Discover, they will grow nicely with you. AMEX you may have to app for a better account because the hard limit does not go away apparently, but with good history you'll get what you really want then.

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 2,727
Registered: ‎03-14-2012

Re: APPROVED Amex ZYNC & Discover Student more card

Congratulations on your new cards.

Starting Score: 639 (Walmart TU)
Current Score: TU 699 (myFICO) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Established Member
Posts: 22
Registered: ‎06-06-2012

Re: APPROVED Amex ZYNC & Discover Student more card

[ Edited ]

Currently I got the Cap1  Secure CL $451, and AU from Cap 1 Plat CL $750, AU Chase CL $7,000.


My wife is Cap 1 Plat CL $ 750, Orcha Plat $ CL 300. The thing is that her credit score is below 700, but shes getting offer from AMEX.


First one came is the Gold one, or the charge card. We ignore it and it came again, and we still ignore it. Now the Green one came, =D. I wonder if we keep ignor it will they offer something better. BTW I'm not allowing my wife to get a new card untill 1 year pass since we're both almost at 7-8 hard inquire.


O, and Congrat =D.

Starting Score: EQ669, Jan 15, 2013
Current Score: EQ669(01/15/13), TU696 (01/29/13)
Goal Score: 780+ All Across

Wallet: $5000 CSP / $3400 CPR / $551 Cap 1 Secure
New Member
Posts: 3
Registered: ‎04-28-2012

Re: APPROVED Amex ZYNC & Discover Student more card

[ Edited ]

Just wanted to get my foot in the door for now, in no rush now that I'm hanging out in their living room ;-)


Established Contributor
Posts: 863
Registered: ‎07-04-2012

Re: APPROVED Amex ZYNC & Discover Student more card

Congrats for your new cards! I'm a college student as well and was in a similar situation. I hope Discover grows with you over time. Good Luck!

Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Frequent Contributor
Posts: 261
Registered: ‎03-15-2012

Re: APPROVED Amex ZYNC & Discover Student more card

Clemson that awesome...I went there as a freshman.

Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
AMEX Zync NPSL(AU) Citi Forward $5500 Discover it $2000 Wells Fargo Cash Back $1300 BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $3300
Capital One Secured Card (AU) $251 Capital One Platinum (AU) $500
Frequent Contributor
Posts: 258
Registered: ‎06-10-2012

Re: APPROVED Amex ZYNC & Discover Student more card

Congrats!  Those are two great CC companies to get in with.

Starting Score: 617 (EQ 6/10/12)
Current Score (8/28/13): EQ: 691 EX: 706 TU: 700
Goal Score: 700

Discover it $4,500 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $2,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)

Super Contributor
Posts: 7,230
Registered: ‎09-16-2011

Re: APPROVED Amex ZYNC & Discover Student more card

Congrats! I agree that these are both nice cards

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
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