Reply
Epic Contributor
Creditaddict
Posts: 21,016
Registered: ‎10-23-2007
0

American Express Zync Declined... Just Checking!

LOL, Every so often I like to apply for a card and see if I still find my self on the "NO, We cancelled your last account DUH!"

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Regular Contributor
dpechal
Posts: 148
Registered: ‎05-15-2012
0

Re: American Express Zync Declined... Just Checking!

Maybe next time? lol.  How about a Recon?

***$25,500******$20,000******$20,000******$20,000******$15,000********NPSL****

Epic Contributor
Creditaddict
Posts: 21,016
Registered: ‎10-23-2007
0

Re: American Express Zync Declined... Just Checking!


dpechal wrote:

Maybe next time? lol.  How about a Recon?


it's not even credit... it's internal.  They don't even pull if you don't pass the internal system!

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Senior Contributor
drkaje
Posts: 3,492
Registered: ‎07-25-2008
0

Re: American Express Zync Declined... Just Checking!

What about Optima?


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Epic Contributor
Creditaddict
Posts: 21,016
Registered: ‎10-23-2007
0

Re: American Express Zync Declined... Just Checking!


drkaje wrote:

What about Optima?


Went in BK, not an option.

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Established Contributor
2NE1
Posts: 999
Registered: ‎12-06-2011
0

Re: American Express Zync Declined... Just Checking!

are you saying you just wasted a HP? :smileyindifferent:

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: American Express Zync Declined... Just Checking!


2NE1 wrote:
are you saying you just wasted a HP? :smileyindifferent:

No, because they check their internal records first. If you're on their blacklist they won't even pull your credit.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
2NE1
Posts: 999
Registered: ‎12-06-2011
0

Re: American Express Zync Declined... Just Checking!

ohhh! ok, got it... something new I learned today about AMEX... I seem to have missed the word "pull" on previous post... my bad.

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010
0

Re: American Express Zync Declined... Just Checking!

Did you charge off or BK an account with them?

 

They dropped me even though I was paid in full every month (Green Card) but I was very late on several other bank's CC.    So I assume I am not blacklisted, but I don't know how they will like the other charge offs on my report. 

Epic Contributor
Creditaddict
Posts: 21,016
Registered: ‎10-23-2007
0

Re: American Express Zync Declined... Just Checking!


Wolf3 wrote:

Did you charge off or BK an account with them?

 

They dropped me even though I was paid in full every month (Green Card) but I was very late on several other bank's CC.    So I assume I am not blacklisted, but I don't know how they will like the other charge offs on my report. 


yes BK with them.

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}