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

If you have a credit history of 2 years+ you might be able to get CSP with low limits, but that's just my assumption.

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
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Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
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Re: Amex Zync, now BCE ???

I would apply for the BCE and wait for the CSP, maybe go for the Freedom first to build that relationship.


$100K in Credit
Last Credit Card App: 11/16/13
Frequent Contributor
Posts: 330
Registered: ‎08-02-2012
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Re: Amex Zync, now BCE ???

My AAoA is at 3 years right now, oldest account over 11 years ago. I've had the chase freedom since August, and I've had a checking account with them for about 7 years.


In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $13,500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $6000
Established Contributor
Posts: 614
Registered: ‎08-24-2011
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Re: Amex Zync, now BCE ???

I tried several times after getting my Zync to get the BCE, but kept getting denied. All the times my account was less than 6 months...then I went on a hiatus from credit, reapplied with my Zync being over a year old and was approved.

 

I would wait a good 6 months before applying for either the BCE or CSP.

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New Contributor
Posts: 96
Registered: ‎07-31-2012
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Re: Amex Zync, now BCE ???

I want to apply for the BCE too but unfortunately I have the Zync with the hard limit. :'(
My Current Plastic: {Amazon Store Card} {Amazon Visa} {Amex Zync} {Amex Gold PRG} {Amex BCE} {Bloomingdales} {BOA 123 Cash Rewards} {Capital One Platinum Visa} {Chase Freedom Visa} {Discover IT} {Kohls} {Macy's} {Nordstrom} {SonyCard Visa} {Target RedCard}
Moderator Emeritus
Posts: 10,860
Registered: ‎12-30-2011
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Re: Amex Zync, now BCE ???

I'm not certain that the hard limit Zync is a no fly zone for other applications anymore.  There were a few folks I believe who reported that was no longer the case after the card was discontinued.  It's worth taking a look at Amex posts from November or thereabouts.

 

As for length of history with Amex, we've had two recent people approved for BCP's with ~4 months history on Zyncs.  It's absolutely a YMMV thing, but I don't think there's a hard and fast rule when it comes ot Amex underwriting and their internal score calculations.  

 

Like others have said, if you get denied, 99.87% of the time it's just a SP anyway, and the other fraction of a percent is if you're a marginal application; however, after today I'm really going to have to rethink what's marginal when it comes to Amex and my own BCP laughable approval.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Frequent Contributor
Posts: 330
Registered: ‎08-02-2012
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Re: Amex Zync, now BCE ???

Laughable ??? How so ???


In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $13,500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $6000
Moderator Emeritus
Posts: 10,860
Registered: ‎12-30-2011
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Re: Amex Zync, now BCE ???


Jayb5635 wrote:
Laughable ??? How so ???

650ish FICO approval, or at least similar since that's both my EQ and TU roughly and my EX report is nearly identical.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Frequent Contributor
Posts: 330
Registered: ‎08-02-2012
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Re: Amex Zync, now BCE ???

Yeah definitely your income came into play, I would think. I make a little over 55k/year so I'm fairly confident in getting approved even if I have to call the back door number for chase to recon


In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $13,500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $6000
New Contributor
Posts: 54
Registered: ‎01-30-2011
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Re: Amex Zync, now BCE ???

I say go for it.

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