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I have been seeing a lot of approvals since the start of the year for AMEX cards.... it makes me wonder if AMEX is more lenient at the first month of the year..... I do wanna apply for their revolver but I know it might be another denial.... has anyone gotten denied yet????
A lot of people were waiting to maximize future backdating, so there is probably more volume than usual. And, in general, people are more likely to post about their successful app (or success after recon) than about failures. So I don't think you can read much into the recent flurry of approvals.
January is just a big month for apps with AMEX. I'm sure there are just as many denials as well. What card were you thinking of?
I only opened my zync last september..... It has a hard limit of $500 so i really don't use it that much.. probably like $250 a month and pays it off before statement cuts.... I really want a BCE but I know that card is hard to get especially my credit score is so so.... I'm tempted to just try Delta gold and pc it to BCE ... I heard that if someone has a hard limit on zync, they can't apply for any amex products unless they close it..... I did try to apply for Blue last month since it's only a soft pull and the denials were because my history with amex was too new, deliquencies and history with other cards were too short......
@kobe2012 wrote:I only opened my zync last september..... It has a hard limit of $500 so i really don't use it that much.. probably like $250 a month and pays it off before statement cuts.... I really want a BCE but I know that card is hard to get especially my credit score is so so.... I'm tempted to just try Delta gold and pc it to BCE ... I heard that if someone has a hard limit on zync, they can't apply for any amex products unless they close it..... I did try to apply for Blue last month since it's only a soft pull and the denials were because my history with amex was too new, deliquencies and history with other cards were too short......
Since you've recently tried to app for a revolver and because you have the hard limit Zync... I recommend waiting until your history with Amex is longer... I think you should wait until June. If account age is not a concern to you, I would close Zync and app for a different charge product such as green or gold. If not, just keep Zync and use it to build history... then apply around April or May The good thing about getting your Zync is that you locked in a 2012 member date.
i was denied. but it was only a soft pull.
apped for bce.
talked to a nice american little old lady. but you can tell she was scripted
ive had my zync since august.
but i have high util due too christmas shopping and such. about 6 inq all under a year. but over 6 months.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@webhopper wrote:
@kobe2012 wrote:I only opened my zync last september..... It has a hard limit of $500 so i really don't use it that much.. probably like $250 a month and pays it off before statement cuts.... I really want a BCE but I know that card is hard to get especially my credit score is so so.... I'm tempted to just try Delta gold and pc it to BCE ... I heard that if someone has a hard limit on zync, they can't apply for any amex products unless they close it..... I did try to apply for Blue last month since it's only a soft pull and the denials were because my history with amex was too new, deliquencies and history with other cards were too short......
Since you've recently tried to app for a revolver and because you have the hard limit Zync... I recommend waiting until your history with Amex is longer... I think you should wait until June. If account age is not a concern to you, I would close Zync and app for a different charge product such as green or gold. If not, just keep Zync and use it to build history... then apply around April or May The good thing about getting your Zync is that you locked in a 2012 member date.
I would probably do that, by may or june all the new accounts would be a year old (almost of of them).... but I wonder if i can skip a charge card and just apply for a revolver....
well if youd like an update kobe.
just got off the phone with new accounts
listed many reasons for denial but glad it was a soft pull.
ex score said was 721!!! woot. lol(surprised with my high balances LOL)
number of new accounts
too many inquries in the past 12 months( 6 for fico purpose)
credit balance vs limit too high (20%)
installment loan balance to loan amount too high(got my car in august so yeah!)
and ding ding ding
Not an established customer of amex (yes he actually said that)
got my zync august 30th so i guess
oh well off too the garden until september.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |