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

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
_________________________________
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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Valued Contributor
improvingmycredit
Posts: 1,326
Registered: ‎07-12-2011

Re: Chances of Amex Charge

Congrats!  :smileyhappy:. 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.  :smileyhappy:. Again, CONGRATS!  Woo Hoo!


Starting Score: 642
Current Score: EQ 774, EX 780, TU 798 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, BCP 28.6K, Arrival 25K, Citi DP 22.8K, CSP 20.5K, QuickSilver 20K

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Senior Contributor
Open123
Posts: 3,849
Registered: ‎02-23-2011

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
webhopper
Posts: 7,230
Registered: ‎09-16-2011

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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MyFICO Fitness Goal: 800s Club!



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Established Contributor
rtw
Posts: 795
Registered: ‎05-01-2012

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: 709 (PSECU 04/05/14) 703 (my FICO 04/14/14) TU: 724(04/14/14) EQ: 676 (04/14/14)
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 | 4.1K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Member
Prodr222
Posts: 24
Registered: ‎08-15-2012

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.

Valued Contributor
injustifiiable
Posts: 1,736
Registered: ‎03-30-2012

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 3/17/2014: TU FICO: 645 | EQ FICO: 674 | EX AMEX FICO: 662

In my new wallet: American Express Premier Rewards Gold: NPSL | BankAmericard Cash Rewards: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Walmart: $900 | J.Crew $2250

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