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I just did my last app for the next several months for Amex Zync. I figured with my inquiries I would have no chance of getting it, but I also figured what's one more inquiry within the same day as all the ones from PSECU. Anyway, I got the following message but can't call them for about 1.5 hours:
Thank You for applying for the Zync from American Express®.
In order to provide you with an instant decision, we need to speak with you. We are available to assist you during our Hours of Operations: Monday-Friday 8AM to Midnight, Saturdays 9:30AM to 9PM, and Sundays 10AM to 9PM Eastern Time.
Please call us at ##### to be connected directly to a Customer Care Professional who will provide you with a decision. To expedite your call, please refer to your individual tracking number. #######.
Anyone know if this is promising? I honestly expected a flat instant rejection, which PNC CashBuilder even gave me, but now I have hope. I just hope it's not false hope. Anyone had this message before with Amex and what did they want to know when you called and what was the outcome? Thanks!
It seems like it would be good news.
If you were denied, it would likely say you were denied.
They probably just have a question for you, or would like to verify your identity or address or something.
Could be stuff like address verification or just about anything.
A maybe is always better than a "no". I'd say, why are you here instead of calling them! lol *wink*
Follow my financial journey: http://www.frugalrican.com
@FrugalRican wrote:Could be stuff like address verification or just about anything.
A maybe is always better than a "no". I'd say, why are you here instead of calling them! lol *wink*
I want to call them so badly, trust me. I am participating in an event at work, where I can have my laptop, but can't make any phone calls. It is so hard waiting!
I hear the bathroom has wonderful reception.
Follow my financial journey: http://www.frugalrican.com
Its for verification. They will ask a few questions and ship your card out.
@FrugalRican wrote:I hear the bathroom has wonderful reception.
+1 Love that response lol
@JaneS1123445 wrote:
@FrugalRican wrote:I hear the bathroom has wonderful reception.
+1 Love that response lol
+2 This was awesome.
I sure hope you're right TannerK. I will report back later when I get home. I will be calling them in the car on the way home from work.
I'm not only going to agree with TannerK here by saying it's probably for verification, but go a step further and risk saying you're approved and with NPSL once you call and verify some info
At least I'm 96% sure of that So in case I'm not online to see the results, Congrats ahead of time!!
I had the exact message on Monday.
I moved recently and combined both old and new addresses on my application (old house number, new street and zip).
I was approved with very questionable credit.
BK from 9/2002 showing.
(75) 120+ days late on six rehabbed student loans (yes 75 of them) rehab completed in July of last year. Lates are through September 2010 or thereabouts.
A thirty day late from June last year.
A chargeoff with $0 balance from 2009 - no collection.
2 inquiries on Experian - one for cable service, one for a Prosper loan.
My reported utility is at 8% due to a Prosper loan in December. Reporting as an installment loan on Experian.
EQ FICO from here 666
Before Prosper loan - 585
Income $70K