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I recently bought a house so my credit has been on lock down with low utilization, i recently got my lowes card and walmart card, was denied for Discover becasue of an old unpaid CO from 2006 totally 2k. I thought what the hell i may as well app for the Zync now becasue my AAOA is going to take a hit anyways, i did it and after verifying address and other information i was approved for the ZYNC with NPSL. I am hoping this will get me in the door and allow me to build a solid hisotry with them to eventually get my hands on the Costco TE Amex
@CopperHD wrote:I recently bought a house so my credit has been on lock down with low utilization, i recently got my lowes card and walmart card, was denied for Discover becasue of an old unpaid CO from 2006 totally 2k. I thought what the hell i may as well app for the Zync now becasue my AAOA is going to take a hit anyways, i did it and after verifying address and other information i was approved for the ZYNC with NPSL. I am hoping this will get me in the door and allow me to build a solid hisotry with them to eventually get my hands on the Costco TE Amex
Build good 6 months history with them and you should be good for a revolver. Thats what I did.
@CS800 wrote:
@CopperHD wrote:I recently bought a house so my credit has been on lock down with low utilization, i recently got my lowes card and walmart card, was denied for Discover becasue of an old unpaid CO from 2006 totally 2k. I thought what the hell i may as well app for the Zync now becasue my AAOA is going to take a hit anyways, i did it and after verifying address and other information i was approved for the ZYNC with NPSL. I am hoping this will get me in the door and allow me to build a solid hisotry with them to eventually get my hands on the Costco TE Amex
Build good 6 months history with them and you should be good for a revolver. Thats what I did.
Which did you go w/?
@CS800 wrote:
@CopperHD wrote:I recently bought a house so my credit has been on lock down with low utilization, i recently got my lowes card and walmart card, was denied for Discover becasue of an old unpaid CO from 2006 totally 2k. I thought what the hell i may as well app for the Zync now becasue my AAOA is going to take a hit anyways, i did it and after verifying address and other information i was approved for the ZYNC with NPSL. I am hoping this will get me in the door and allow me to build a solid hisotry with them to eventually get my hands on the Costco TE Amex
Build good 6 months history with them and you should be good for a revolver. Thats what I did.
That is my plan, except I am going to play it safe and build a year of history with AMEX before I go for a revolver. My goal is a BCP, the 6% on groceries makes it well worth while in my eyes. The AF is not bad since I spend enough just for lunch/snack materials for work every week that the AF will be covered. That will make any further purchases nothing but profit
12 months from now I will app my BCP