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Amex Zync - Whats so great about it?

Super Contributor

Re: Amex Zync - Whats so great about it?

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

Message 11 of 14
Established Member

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


Message 12 of 14
Valued Contributor

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

 

 


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
Message 13 of 14
Valued Contributor

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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 14 of 14