Credit Cards

[Mustangfrank]

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

[amercnchopz34]

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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

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

[ninjamike81]

nice job congrats

[LS2982]

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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

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CONGRATS!!!

Did you get your BCE CL??

[RyVision]

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 

[Mustangfrank]

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)

[gettnthere]

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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)

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

[Mustangfrank]

Thanks,

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

[gettnthere]

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

[tmbr10]

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.

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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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