01-13-2013 04:50 PM
01-13-2013 04:53 PM
I would apply for the BCE and wait for the CSP, maybe go for the Freedom first to build that relationship.
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 08:10 PM
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