Reply
Senior Contributor
Posts: 4,572
Registered: ‎12-11-2011
0

Re: Amex Zync - Whats so great about it?

This thread is just making me itchier and I know I can't qualify right now :smileytongue: 

;
Established Member
Posts: 55
Registered: ‎07-13-2012
0

Re: Amex Zync - Whats so great about it?

Will I get approved??????

 

1 cap1 750cl 3 months old

1 store card 1000cl new acc (9/1/12)

 

5% util 

 

PIF 

 

no baddies

 

 

EQ/637
TU/616
EXP/659


Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Amex Zync - Whats so great about it?

[ Edited ]

Rackham12 wrote:

Will I get approved??????

 

1 cap1 750cl 3 months old

1 store card 1000cl new acc (9/1/12)

 

5% util 

 

PIF 

 

no baddies

 

 


Probably not.  You need a card with at least 6 months history and your scores are on the low end.  I was told by AMEX CSR they look for 650-680 for ZYNC if you have a decient salary.  (To put in context, the guy was giving me specific recommendations a couple months ago and was looking at my denial letter from March this year.  Based on my 6 figure income he gave me this score range.  If you have lower income you may need higher scores.  From what Ive read 680 is a good target score for this product.)

 

Give it some time.  I waited 6 months from March 3, 2012 to Sept 10, 2012 to reapply.  The wait was well worth it as I got both Zync and Amex Delta Gold.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,262
Registered: ‎07-23-2012
0

Re: Amex Zync - Whats so great about it?


Rackham12 wrote:

Will I get approved??????

 

1 cap1 750cl 3 months old

1 store card 1000cl new acc (9/1/12)

 

5% util 

 

PIF 

 

no baddies

 

 


3 months is still new. 

like stated you need some history. 

 

i was barely approved with the counter offer (which im ok with since im not looking to buy cars on this card) 

 

score was around 675(not sure since they didnt provide that) 

8 month aaoa but two accounts with perfect history over 1yr 10 months old. 

salary i put down was 29k. 

i have no baddies

about 11% util. 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.