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Contributor
Posts: 211
Registered: ‎07-02-2012
0

Re: Chances of Amex Charge

Moreover zync is waiving AF for first year.. 

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
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Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
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Community Leader
Valued Contributor
Posts: 1,413
Registered: ‎07-12-2011
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Re: Chances of Amex Charge

Congrats!  Smiley Happy. Amex is absolutely income biased!  I think you will find because of your higher then preferred utility, the APR on your delta card will probably be high.  No problem though- they are good about APR reduction with good credit behavior!  Nice thing is, you'll get your EX FICO in the mail soon.  Smiley Happy. Again, CONGRATS!  Woo Hoo!


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Super Contributor
Posts: 6,236
Registered: ‎02-23-2011
0

Re: Chances of Amex Charge

For most, I think the best strategy is to start out with the Zync to build a histor with Amex and gain bonus points along the way.  

 

Bank the points, and after a year, apply for the no annual fee PRG with a sign up bonus.  Then, 50K + Zync points all become full MR.  This is how I'd do it.

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Chances of Amex Charge

Congrats!! Welcome to the amex family!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Established Contributor
Posts: 797
Registered: ‎05-01-2012
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Re: Chances of Amex Charge

Congrats!

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Member
Posts: 25
Registered: ‎08-15-2012
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Re: Chances of Amex Charge

i didnt know that the zync rewards points could be transferred to a higher charge card account as the legitiment amex membership rewards points. makes me wonder which card i should use for the bigger purchases. also they pulled my TU which i was also shocked when i founf out because mos of the pulls that ive read from members here have come from EX.

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Valued Contributor
Posts: 2,136
Registered: ‎03-30-2012
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Re: Chances of Amex Charge


Prodr222 wrote:

i didnt know that the zync rewards points could be transferred to a higher charge card account as the legitiment amex membership rewards points. makes me wonder which card i should use for the bigger purchases. also they pulled my TU which i was also shocked when i founf out because mos of the pulls that ive read from members here have come from EX.


Charge Card pulls are almost Exclusively EX....pulls for one of the revolvers can come from any bureau.

 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000

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