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Frequent Contributor
Odiseous
Posts: 289
Registered: ‎03-08-2011
0

Re: Amex Zync...Should I Apply?


mstew wrote:

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.


Which card do you want more? 

TU98 751, EQ 766, EX 766 (Lender)

If at first you don't succeed; Garden for 6 months, then try again.

Work the system. Don't let the system work you.
New Contributor
mstew
Posts: 160
Registered: ‎08-10-2011
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Re: Amex Zync...Should I Apply?


Odiseous wrote:

mstew wrote:

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.


Which card do you want more? 


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.

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
FloridaState12
Posts: 614
Registered: ‎08-24-2011
0

Re: Amex Zync...Should I Apply?

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. :smileyvery-happy:

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New Contributor
mstew
Posts: 160
Registered: ‎08-10-2011
0

Re: Amex Zync...Should I Apply?

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.

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
AndyK
Posts: 913
Registered: ‎06-09-2011
0

Re: Amex Zync...Should I Apply?

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.

EQ 679 FICO (02/24/2012)
TU 721 FICO (03/10/2012)
EX 703 FICO (05/05/2012)

Cards: NFCU cashRewards $14k, NFCU Platinum $14k, USAA Amex $7k, Amazon Visa $3k, Chase Freedom $2.5k, Amex Zync NPSL, Discover More $1k, Amazon Store $1.3k, Walmart Store $700
New Contributor
mstew
Posts: 160
Registered: ‎08-10-2011
0

Re: Amex Zync...Should I Apply?

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

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
FloridaState12
Posts: 614
Registered: ‎08-24-2011
0

Re: Amex Zync...Should I Apply?

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

 

I would have already applied if I were you lol

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New Contributor
mstew
Posts: 160
Registered: ‎08-10-2011
0

Re: Amex Zync...Should I Apply?

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.

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
FloridaState12
Posts: 614
Registered: ‎08-24-2011
0

Re: Amex Zync...Should I Apply?


mstew 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.


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! :smileytongue:

 

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New Contributor
mstew
Posts: 160
Registered: ‎08-10-2011
0

Re: Amex Zync...Should I Apply?


FloridaState12 wrote:

mstew 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.


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! :smileytongue:

 


Pulled trigger...

 

 

Ready?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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

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

 

 

SO EXCITED! AMEX!

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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