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Amex approved Zync & BCE one Hard Pull

Regular Contributor

Amex approved Zync & BCE one Hard Pull

 

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)
10 REPLIES
Established Contributor

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

Re: Amex approved Zync & BCE one Hard Pull

nice job congrats


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Mega Contributor

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??

 




EQ FICO 548 3/3/16
Valued Contributor

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  Smiley Happy

Regular Contributor

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

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 Smiley Wink
Regular Contributor

Re: Amex approved Zync & BCE one Hard Pull

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

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 Smiley Wink



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 Smiley Wink
Regular Contributor

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.