Amex Zync...Should I Apply?

[Odiseous]

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@Anonymous wrote:

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@Meltdownblitz wrote:
I second that idk how barclays will react but I'm sure you'd have a good shot at getting the zync.

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This is a cause for concern for me. If I didn't have to worry about Barclay's reaction, I probably would have applied already...decisions, decisions.

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Which card do you want more? 

[Anonymous]

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@Odiseous wrote:

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@Anonymous wrote:

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@Meltdownblitz wrote:
I second that idk how barclays will react but I'm sure you'd have a good shot at getting the zync.

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This is a cause for concern for me. If I didn't have to worry about Barclay's reaction, I probably would have applied already...decisions, decisions.

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Which card do you want more? 

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Both! I want the barclaycard because it is my highest limit to date. I also want an amex however because I like the idea of a card that MUST be paid in full each month, that cannot carry a balance.

[FloridaState12]

Keep in mind I just got approved for a Barclay's AND a Zync that hasn't yet hit my CR's. So I'll let you know if Barclay's cancels my account when my Zync, Citi Dividend, BoA Student, and Walmart cards start reporting. 

[Anonymous]

Well all of my other new cards were already reporting by the time Barclays approved me so it would only be 1 new inq/account, but I'm still too afraid to pull the trigger.

[Anonymous]

I applied for a couple of different Amex cards back in December/January (Zync and Delta card, denied for both - I don't remember what the third one was). I could've sworn they stated they only pulled Experian at the time. But I just signed up for a 3-agency monitoring service, and it turns out that on each application, they hit me with a HP on all three CRAs. So instead of having just 3 pulls on EX (I thought they'd use the same pull within 30 days anyway, but I guess not), I ended up with 3 pulls on each report.

To be fair, it seems almost everyone has pulled my EQ report in addition to EX or TU, so it's not just Amex.  So while I thought I was spreading my inquiries around, it seems my EQ report has gotten hammered 2-3x more than I thought it would. My bad for not pulling the report earlier this year.

[Anonymous]

Update, I pulled my EX report...Lists 9 inqs, with 2 that should fall off this month

[FloridaState12]

I have to give you props...you're a helluva lot more responsible than I am 

I would have already applied if I were you lol

[Anonymous]

I'm dying to do it lol. I have the app page filled out. I probably would have already pulled the trigger from obsessing on it but I multitask. In between ficoforums, i buy music on itunes, check my credit report, dream about apping for amex, and do a take home test.

[FloridaState12]

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@Anonymous wrote:

I'm dying to do it lol. I have the app page filled out. I probably would have already pulled the trigger from obsessing on it but I multitask. In between ficoforums, i buy music on itunes, check my credit report, dream about apping for amex, and do a take home test.

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I fill out apps all the time....then I decide whether or not it's worth pulling the trigger. Usually I just say "screw it" and close my eyes and click the button. I always have that "what if" mentality. What if I apply and get approved with an awesome CL? I won't know until I apply! 

I honestly don't think ONE more inquiry would hurt you that bad, but don't let me convince you...I'm a bad influence. I say app away! 

[Anonymous]

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@FloridaState12 wrote:

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@Anonymous wrote:

I'm dying to do it lol. I have the app page filled out. I probably would have already pulled the trigger from obsessing on it but I multitask. In between ficoforums, i buy music on itunes, check my credit report, dream about apping for amex, and do a take home test.

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I fill out apps all the time....then I decide whether or not it's worth pulling the trigger. Usually I just say "screw it" and close my eyes and click the button. I always have that "what if" mentality. What if I apply and get approved with an awesome CL? I won't know until I apply! 

I honestly don't think ONE more inquiry would hurt you that bad, but don't let me convince you...I'm a bad influence. I say app away! 

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Pulled trigger...

Ready?

APPROVED!!!!!!!!!!!

--Granted, I got the $500 Autopay, but it's a start!!!!!

SO EXCITED! AMEX!