MountainHiker wrote:
jtc411 wrote:I had a collection and a CO when I app'd for the Zync card. I also CO's on an Amex Gold card back in 2004. Granted I got the 500 limit with autopay, I don't really care. I app'd to get the backdating and my foot back in the door with Amex. I don't regret it at all.
PS my EX was like 640
jtc
Was your collection with AMEX paid off or unpaid?
It was paid to AMEX a few months after the chargeoff. Even if yours was unpaid, I don't think its going to matter. The Zync seems like one of the easiest cards to get. A 640 Fico with negative history, oh and my util% was 45 and 2 of my cards were over the limit. I was shocked. I also on that same night was approved for the Discover More card
Starting Score: EQ 619
MountainHiker wrote:
jtc411 wrote:
MountainHiker wrote:
jtc411 wrote:I had a collection and a CO when I app'd for the Zync card. I also CO's on an Amex Gold card back in 2004. Granted I got the 500 limit with autopay, I don't really care. I app'd to get the backdating and my foot back in the door with Amex. I don't regret it at all.
PS my EX was like 640
jtc
Was your collection with AMEX paid off or unpaid?
It was paid to AMEX a few months after the chargeoff. Even if yours was unpaid, I don't think its going to matter. The Zync seems like one of the easiest cards to get. A 640 Fico with negative history, oh and my util% was 45 and 2 of my cards were over the limit. I was shocked. I also on that same night was approved for the Discover More card
Wow, Very impressive.You bacisly have the very cards that I hope to have.
Give both of them a shot. I think you'd be able to get them. Then let them Garden
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