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Established Contributor
Posts: 620
Registered: ‎08-14-2010
0

AMEX ZYNC

I'm about your age(20) and I recently got approved 2 months ago. I would highy suggest that you apply for one if you have good payment history.Remember Zync is for people in their 20's so Amex won't expect much history from you and charge cards are tend to be easier to obtain than AMEX revolving cards. Go apply, then tell us the result!

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All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas
Established Contributor
Posts: 620
Registered: ‎08-14-2010
0

Re: Amex Zync


TheCreditKid wrote:

I'm about your age(20) and I recently got approved 2 months ago. I would highy suggest that you apply for one if you have good payment history.Remember Zync is for people in their 20's so Amex won't expect much history from you and charge cards are tend to be easier to obtain than AMEX revolving cards. Go apply, then tell us the result!


Sorry about the same response, my computer was lagging.

______________________________________________________________________________________________________________

All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas
Member
Posts: 25
Registered: ‎09-21-2010
0

Re: Amex Zync

Another question do you think I should call up discover and ask for a credit limit raise now to help my ratio more before I think about applying in november and if so what amount should I request.
New Contributor
Posts: 73
Registered: ‎08-09-2010
0

Re: Amex Zync

they will %100 decline ur increase with %70 util, i promise u!

Member
Posts: 25
Registered: ‎09-21-2010
0

Re: Amex Zync

If I called them would they see 70% utilization or would they just see what I have now like $50.
New Contributor
Posts: 73
Registered: ‎08-09-2010
0

Re: Amex Zync

well actually im not sure. since this is ur only card u will probably give it a chance. let us know wat happens?

Member
Posts: 25
Registered: ‎09-21-2010
0

Re: Amex Zync

Does it hurt me in anyway if they deny me.
New Contributor
Posts: 73
Registered: ‎08-09-2010
0

Re: Amex Zync

make sure and ask if they are going to do a hard pull or a soft pull on ur report. sometimes they wont do it but they do it most of the time... good luck

Valued Contributor
Posts: 1,284
Registered: ‎05-13-2010
0

Re: Amex Zync

They will see the last reported utilization (when your last statement cut & reported).  So your util would still be 70%

BofA Cash Rewards VS - $10k/9.99% | Citi Dividend World MC - $12.1k/11.99% | Amex BCE - $20k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $19k/11.99%
Established Contributor
Posts: 620
Registered: ‎08-14-2010
0

Re: Amex Zync

Pay down the balance then apply or request a CLI.

______________________________________________________________________________________________________________

All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas
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