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New Contributor
Posts: 160
Registered: ‎08-10-2011
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Amex Zync...Should I Apply?

I've been seeing a lot of Zync approvals lately, and I'm starting to get the itch to apply for it. I just got approved about a week ago (via 2nd recon) for Barclays @ $1500...Last known TU was around 675, rest of them should be around the same. Inqs are high, and uti is around 25% right now...

 

So, should I apply, or should I keep my gardening gloves on?

Wallet: American Express ZYNC, Barclaycard Financing Visa, Capital One No Hassle Cash MC

Sock Drawer: Capital One Platinum, Best Buy Reward Zone MC, GEMB Wal-Mart (Store only), WFN JCrew (Store), First Premier (Only until June when the AF hits again)
Established Contributor
Posts: 715
Registered: ‎08-26-2011
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Re: Amex Zync...Should I Apply?

Supposedly Barclary is really sensitive to inq's. So if they approved you, might want to tread carefully around new app's. I want a Zync too! Heck, I want a Barclay's also. Patiently waiting till my time is ready to pounce.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Established Contributor
Posts: 715
Registered: ‎08-26-2011
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Re: Amex Zync...Should I Apply?

BTW doesn't Amex pull EX, as well as TU sometimes?

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



New Contributor
Posts: 160
Registered: ‎08-10-2011
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Re: Amex Zync...Should I Apply?

I know that Barclays is really inq sensitive...That is the one thing holding me back from apping right now lol. I'm not 100% sure which CB Amex will pull in Ohio, its been a long time since I've apped for them...

Wallet: American Express ZYNC, Barclaycard Financing Visa, Capital One No Hassle Cash MC

Sock Drawer: Capital One Platinum, Best Buy Reward Zone MC, GEMB Wal-Mart (Store only), WFN JCrew (Store), First Premier (Only until June when the AF hits again)
Established Contributor
Posts: 614
Registered: ‎10-23-2011
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Re: Amex Zync...Should I Apply?


mstew wrote:

I know that Barclays is really inq sensitive...That is the one thing holding me back from apping right now lol. I'm not 100% sure which CB Amex will pull in Ohio, its been a long time since I've apped for them...


Amex typically pulls EX nationwide but has known on rare occassions to soft another CB. How many INQ do you have on EX?


Starting Score: EQ 686 10/18/11, TU 689 10/25/11, EX 685 10/11 (Amex Pull)....these are all FICO scores
Current Score: EQ 702 10/24/11, TU 689, EX 685
Goal Score: 750+

Score Update: EQ: 743 (02/03/12) TU: 741 (Walmart 01/11/12), now 761 as of 01/27/12 (Walmart), EX: 741 (Amex 01/04/12)
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Valued Contributor
Posts: 1,486
Registered: ‎08-14-2011
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Re: Amex Zync...Should I Apply?


mAndrew1980 wrote:

BTW doesn't Amex pull EX, as well as TU sometimes?


 

AMEX pulled EX, and only EX, for me back in June/July.

In My Wallet:
AMEX BCE, Citi Forward, Chase Freedom

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
New Contributor
Posts: 160
Registered: ‎08-10-2011
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Re: Amex Zync...Should I Apply?


fusioncredit wrote:

mstew wrote:

I know that Barclays is really inq sensitive...That is the one thing holding me back from apping right now lol. I'm not 100% sure which CB Amex will pull in Ohio, its been a long time since I've apped for them...


Amex typically pulls EX nationwide but has known on rare occassions to soft another CB. How many INQ do you have on EX?


My most recent EX report shows 9, though several have fallen off due to the 2 year rule, so I'd say a sefe (liberal) estimate would say maybe 7, since there were 2 new inqs over the last 3 months or so

Wallet: American Express ZYNC, Barclaycard Financing Visa, Capital One No Hassle Cash MC

Sock Drawer: Capital One Platinum, Best Buy Reward Zone MC, GEMB Wal-Mart (Store only), WFN JCrew (Store), First Premier (Only until June when the AF hits again)
Established Contributor
Posts: 614
Registered: ‎08-24-2011
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Re: Amex Zync...Should I Apply?

[ Edited ]

AMEX pulled EX for me in Florida, and only EX. 

 

I didn't have that many inquiries on EX. But I applied in the past, with a CA on my reports. Once it was removed, I was instantly approved. So their system may have taken that into consideration, I know Bank of America did. I'd say you're in good shape, but I don't know how Barclay's will react. 

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Frequent Contributor
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Registered: ‎06-01-2011
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Re: Amex Zync...Should I Apply?

I second that idk how barclays will react but I'm sure you'd have a good shot at getting the zync.
 
New Contributor
Posts: 160
Registered: ‎08-10-2011
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Re: Amex Zync...Should I Apply?


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

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.

Wallet: American Express ZYNC, Barclaycard Financing Visa, Capital One No Hassle Cash MC

Sock Drawer: Capital One Platinum, Best Buy Reward Zone MC, GEMB Wal-Mart (Store only), WFN JCrew (Store), First Premier (Only until June when the AF hits again)
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