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Regular Contributor
Mustangfrank
Posts: 193
Registered: ‎07-17-2012
0

Amex approved Zync & BCE one Hard Pull

[ Edited ]

 

Thanks to everyone on this site I have had great success. 

Hopefully the following will be of some help to others as well.

 

It had been years since I had a credit card and was rebuilding from scratch starting in January of 2012.

At the time of application I had eight months of good credit with Cap1 secured Platinum card with a $2100 credit limit.

I kept the usage below 10% and paid in full every month.

I had no loans or Mortgage payments.

 

I applied for the Amex Zync and their BCE at the same time and was approved for the two cards with just one Hard Pull .

 

The Zync was immediate approval and the BCE said i would be notified in 10 to 14 days.

When I checked the next day on Amex Site i was approved for the BCE as well.

Amex backdated my cards to 1983. The CSR for Amex was great .

 

 

At the time of Amex application:

My Fico score from Experian as reported by Amex was 730

My Fico score from this Site were TU 725 & EQ 745

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: Amex approved Zync & BCE one Hard Pull


Mustangfrank wrote:

 

Thanks to everyone on this site I have had great success. 

Hopefully the following will be of some help to others as well.

 

It had been years since I had a credit card and was rebuilding from scratch starting in January of 2012.

At the time of application I had eight months of good credit with Cap1 secured Platinum card with a $2100 credit limit.

I kept the usage below 10% and paid in full every month.

I had no loans or Mortgage payments.

 

I applied for the Amex Zync and their BCE at the same time and was approved for the two cards with just one Hard Pull .

 

The Zync was immediate approval and the BCE said i would be notified in 10 to 14 days.

When I checked the next day on Amex Site i was approved for the BCE as well.

Amex backdated my cards to 1983. The CSR for Amex was great .

 

 

At the time of Amex application:

My Fico score from Experian as reported by Amex was 730

My Fico score from this Site were TU 725 & EQ 745


congrats.........someday I will have my amex cards......Good for you ................


Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
0

Re: Amex approved Zync & BCE one Hard Pull

nice job congrats


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Amex approved Zync & BCE one Hard Pull


Mustangfrank wrote:

 

Thanks to everyone on this site I have had great success. 

Hopefully the following will be of some help to others as well.

 

It had been years since I had a credit card and was rebuilding from scratch starting in January of 2012.

At the time of application I had eight months of good credit with Cap1 secured Platinum card with a $2100 credit limit.

I kept the usage below 10% and paid in full every month.

I had no loans or Mortgage payments.

 

I applied for the Amex Zync and their BCE at the same time and was approved for the two cards with just one Hard Pull .

 

The Zync was immediate approval and the BCE said i would be notified in 10 to 14 days.

When I checked the next day on Amex Site i was approved for the BCE as well.

Amex backdated my cards to 1983. The CSR for Amex was great .

 

 

At the time of Amex application:

My Fico score from Experian as reported by Amex was 730

My Fico score from this Site were TU 725 & EQ 745


CONGRATS!!!

 

Did you get your BCE CL??

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
0

Re: Amex approved Zync & BCE one Hard Pull

Major congrats on the 1 pull double score!  (Not everyone gets that even when apping the same day!).

 

Wish I could have done it, but I had to wait for my Blue after several months with Zync (sigh), so 1 HP each.  Still happy I got them either way  :smileyhappy:

Regular Contributor
Mustangfrank
Posts: 193
Registered: ‎07-17-2012
0

Re: Amex approved Zync & BCE one Hard Pull

Only $1,000 on the BCE

I Guess I will request a CLI in a few months after keeping the usage under 10% 

 

(baby steps)

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Amex approved Zync & BCE one Hard Pull


Mustangfrank wrote:

Only $1,000 on the BCE

I Guess I will request a CLI in a few months after keeping the usage under 10% 

 

(baby steps)


i would i would def call in at 61 days and request 3k. Congrats on your approval!


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Regular Contributor
Mustangfrank
Posts: 193
Registered: ‎07-17-2012
0

Re: Amex approved Zync & BCE one Hard Pull

[ Edited ]

Thanks,

Seeing how I had zero credit last December I feel I have come a long way back.

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Amex approved Zync & BCE one Hard Pull


Mustangfrank wrote:

Thanks,

Seeing how I was a "ghost" with zero credit last December I feel I have come a long way back.

 


MOST CERTAINLY! AWesome job on your hard work. it seems like it paid off :smileywink:



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Regular Contributor
tmbr10
Posts: 104
Registered: ‎04-06-2012
0

Re: Amex approved Zync & BCE one Hard Pull

Two 29 year old accounts figured into your AAofA? I think you will like that. With AMEX the CL will come. Just treat them with respect.


Mustangfrank wrote:

Thanks,

Seeing how I was a "ghost" with zero credit last December I feel I have come a long way back.

 


 


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