Reply
Moderator
Revelate
Posts: 9,737
Registered: ‎12-30-2011
0

Re: Amex Zync, now BCE ???


Jayb5635 wrote:
I spoke with someone at a branch and was told I had no preapproval offers. Doesn't concern me tho, as I wasn't preapproved for either my freedom or zync. Something interesting I heard from the guy at chase was him stating he has recently seen sapphire preferred cards with credit lines under 5k. Anyone else aware of this ???

We've had people report being approved for CSP's with limits nowhere close to 5K; on the other hand we've also had reports of people being denied for "not having sufficient limits" as well.

 

It's very much YMMV.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Established Member
YnotME
Posts: 18
Registered: ‎10-06-2010
0

Re: Amex Zync, now BCE ???

I've had the Zync (npsl) since March 2012, run about 400-700 through it monthly.  I apped for BCP this morning and got declined.  700 EX fico.  YMMV.

My Wallet: Amex Zync-NPSL Chase Freedom-$3500 Discover More-$4000 Barclays-Apple-$1300 NFL rewards-$1500 WalMart-$1100 Care Credit-$5500
Frequent Contributor
Jayb5635
Posts: 327
Registered: ‎08-02-2012
0

Re: Amex Zync, now BCE ???

Well it's my understanding if amex denies u it's a soft pull, so you don't have to get hit with an inquiry and apply again later on.


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 $5000
Frequent Contributor
Jayb5635
Posts: 327
Registered: ‎08-02-2012
0

Re: Amex Zync, now BCE ???

Guys so I was not aware that the Amex BCE has a separate rewards structure. Well, not really rewards, a cash back program essentially.


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 $5000
Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

Re: Amex Zync, now BCE ???

Well, it IS called the Blue Cash Everyday...lol.

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Frequent Contributor
Jayb5635
Posts: 327
Registered: ‎08-02-2012
0

Re: Amex Zync, now BCE ???

So I think I'ma apply for the sapphire preferred tonight. If I have to recon, I can do so as soon as tomorrow morning ???


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 $5000
Contributor
kwinks
Posts: 78
Registered: ‎07-15-2012
0

Re: Amex Zync, now BCE ???

Hi don't know if helps you or not, but I applied for amex bcp today and got iinstantly approved and then immediately applied for csp and got instantly approved. TU sits at 733 and EQ at 744. i also only make 36000 a year and I've had the chase freedom for 11 months with a 3000 cl pif every month ( which was my highest cl until today) and then I  even asked for cli on my bofa cash rewards and got it! Is been a good day

 

i think amex is in a giving mood and chase sapphire I feel like really depends on your previous history with them on another card/ checking acct. but that's just what I feel personally, I have no hard evidence :smileyhappy:

 

 I'm sure you will do fine, good luck!

Chase Freedom 3000
Chase Sapphire Preferred 5000
American Express Blue Cash Preferred 6300
Bank of America Travel Rewards 5000
Bank of America Cash Rewards 3000
Discover IT 4000
Best Buy 4000
TU 733 EQ 743 EX 722
Frequent Contributor
Jayb5635
Posts: 327
Registered: ‎08-02-2012
0

Re: Amex Zync, now BCE ???

Guys, I applied for the sapphire preferred last night. It was decision pending, so I just called this morning, gentleman asked me a few questions, and BAM approved with 5k limit !!!


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 $5000
Senior Contributor
jsucool76
Posts: 3,842
Registered: ‎12-11-2011
0

Re: Amex Zync, now BCE ???

Congrats!

You gonna try for the bce as well?
;
Frequent Contributor
Jayb5635
Posts: 327
Registered: ‎08-02-2012
0

Re: Amex Zync, now BCE ???

I'm feeling good about myself, so yes lol. Even if I get denied its a soft, so I got nothing to lose. The sapphire preferred is the one I really wanted right now so I couldn't be happier.


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 $5000

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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}