01-13-2013 04:50 PM
01-13-2013 05:02 PM
01-13-2013 05:05 PM
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.
01-13-2013 05:28 PM
01-13-2013 05:42 PM
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.
01-13-2013 07:02 PM
01-13-2013 07:17 PM
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.
01-13-2013 07:37 PM
01-13-2013 08:10 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO