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Established Contributor
TheCreditKid
Posts: 626
Registered: ‎08-14-2010

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
TheCreditKid
Posts: 626
Registered: ‎08-14-2010

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
rx7ingsdrifter
Posts: 25
Registered: ‎09-21-2010

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
O-day
Posts: 73
Registered: ‎08-09-2010

Re: Amex Zync

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

Member
rx7ingsdrifter
Posts: 25
Registered: ‎09-21-2010

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
O-day
Posts: 73
Registered: ‎08-09-2010

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
rx7ingsdrifter
Posts: 25
Registered: ‎09-21-2010

Re: Amex Zync

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

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
smc733
Posts: 1,262
Registered: ‎05-13-2010

Re: Amex Zync

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

Established Contributor
TheCreditKid
Posts: 626
Registered: ‎08-14-2010

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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