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Frequent Contributor
Posts: 454
Registered: ‎08-02-2012
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Amex Zync, now BCE ???

Hey guys, my question is how soon do you think is ok before applying for the amex blue cash everyday ??? I've had the zync since August, was instantly approved then. My current FICO sits at 716.








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Senior Contributor
Posts: 4,694
Registered: ‎02-23-2011
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Re: Amex Zync, now BCE ???

Now!

 

Always app for Amex in January.  If not approved, only a soft.  

Super Contributor
Posts: 5,739
Registered: ‎12-11-2011
0

Re: Amex Zync, now BCE ???

Provided you've been using the card well I would go ahead and app. Score sounds good enough, plus a denial will most likely only be a SP, but I'd wager you'll be approved.
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Super Contributor
Posts: 6,387
Registered: ‎05-23-2009
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Re: Amex Zync, now BCE ???

I waited 6 months for the second card.

 

 

Ron.

Established Contributor
Posts: 712
Registered: ‎06-11-2012
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Re: Amex Zync, now BCE ???

I would app now for max backdating. it's only a sp if denied anyways

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Frequent Contributor
Posts: 454
Registered: ‎08-02-2012
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Re: Amex Zync, now BCE ???

Ok that makes sense. I want this card and also the Chase Sapphire Preferred. Was thinking to apply for both the same day in the hopes of the other lender not seeing the inquiry. Not sure if that plan will work tho lol








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: Amex Zync, now BCE ???

Make sure you have a card that got a CL close to 5k first before trying for CSP.

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Frequent Contributor
Posts: 351
Registered: ‎11-11-2012
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Re: Amex Zync, now BCE ???


Jayb5635 wrote:
Ok that makes sense. I want this card and also the Chase Sapphire Preferred. Was thinking to apply for both the same day in the hopes of the other lender not seeing the inquiry. Not sure if that plan will work tho lol


Sorry, But that won't work........the last one will see the inquiry if they pull the same CB


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Super Contributor
Posts: 5,739
Registered: ‎12-11-2011
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Re: Amex Zync, now BCE ???

Even so, one inquiry doesn't deter a lender from giving you credit. If you have a bunch, sure, but just one should be fine.
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Frequent Contributor
Posts: 454
Registered: ‎08-02-2012
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Re: Amex Zync, now BCE ???

I have 3 inquiries currently from August when I acquired the zync, chase freedom, and Barclay rewards. The barclays and freedom both have credit lines of 1500. Every card I pay in full every month. Also, I've read some posts on this forum where it seems that having a prior 5k cl to qualify for the sapphire preferred is not an absolute, more of a YMMV sort of thing, which is why I was thinking to recon.








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
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