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Frequent Contributor
chan85
Posts: 461
Registered: ‎03-13-2011

Re: Confused over Amex Upgrades

Oh... Back on topic....

 

i finally was able to apply for BCE...DENIED..... Website not working so can't see reasons why..... Then I can decide if its worth a recon.....


WM TransUnion- 686 (4/2013) Credit Sesame Experian- 705 (4/2013) Credit Karma TransUnion- 648 (4/2013) Privacy Matters Experian- 691 (5/2013)
Amex Zync/UNICORN- NPSL/Capital One Rewards Mastercard -$4,000/Capital One Rewards Visa- $3,000/Wal-Mart Discover- $4,200/Bill Me Later- $2,200/JCP- $3,800/Discover IT- $500/Care Credit -$500/Old Navy- $800/New York & Company - $500/Orchard Bank -$300
GOALS: Trim the fat, pay down, and no apps until at least 12/20/13 Last HP: 11/23/2012
Valued Contributor
creditnocash
Posts: 1,975
Registered: ‎07-23-2012

Re: Confused over Amex Upgrades


p- wrote:

This might just be a rumor, but I heard that Amex is adding a new card called the Amex Aluminum.  

 

It will be made of cardboard, and cross-marketed to Bluebird and Kardashian card holders, as well as Zync members with preset limits.  The plan is to take a slice of the old Orchard Bank subprime business.  It will have a 300 dollar limit with a 79 dollar annual fee, a 20 dollar per transaction limit, and a 10 dollar transaction fee.  It will also have a 35 dollar monthly maintenance fee, a 200 dollar application fee, and 500 dollar overlimit fee.  It will have a prime plus 26 percent apr, with a penalty apr of 99.99.

 

But, it will give you a member since date.

 

 


i was all excited until it said kardashian. 

 

the only reason i got the psl zync was because i had 9inquries that day. i didnt think they would approve me at all lol. 

next august when all my inquries age over a year, im sure ill qualify for any amex i want. 

Current: EQ FICO 675, TU FICO 692, Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Valued Contributor
p-
Posts: 2,083
Registered: ‎06-05-2008

Re: Confused over Amex Upgrades


creditnocash wrote:i was all excited until it said kardashian. 

Phrase of the week.

  11-27-2012: FICO EXP: 731 - EQU: 723 - TRAN: 731 - AVG: 728 - +178 points from JUN 2008 - MY CREDIT JOURNAL


Member
thepriceisright
Posts: 22
Registered: ‎04-12-2013

Re: Confused over Amex Upgrades

I've had a Zync card since 2010, just called to see what I could do regarding upgrading.

 

A VERY nice CSR looked at my account and immediately offered the Gold Premier Rewards card based on my spending (~50k a year), and also offered the Platinum, but she said since it looks like I don't cover my airfare when travelling, only hotel, car, etc that it wouldn't be that great of a deal for me, and strongly suggested the Gold.

 

I agreed, she said the new card with the same number would be here next week and that I can continue using my Zync until I activate the new one. She also confirmed all of my points were convered into regular rewards points at full value (64k express points into 64k real points) and applied the Zync fees I paid back in January to the Gold $175 fee.

 

I freaking love Amex :smileyhappy:

Established Contributor
armbenderc
Posts: 877
Registered: ‎09-11-2012

Re: Confused over Amex Upgrades


thepriceisright wrote:

I've had a Zync card since 2010, just called to see what I could do regarding upgrading.

 

A VERY nice CSR looked at my account and immediately offered the Gold Premier Rewards card based on my spending (~50k a year), and also offered the Platinum, but she said since it looks like I don't cover my airfare when travelling, only hotel, car, etc that it wouldn't be that great of a deal for me, and strongly suggested the Gold.

 

I agreed, she said the new card with the same number would be here next week and that I can continue using my Zync until I activate the new one. She also confirmed all of my points were convered into regular rewards points at full value (64k express points into 64k real points) and applied the Zync fees I paid back in January to the Gold $175 fee.

 

I freaking love Amex :smileyhappy:


:smileysurprised:

Current Score: Amex Plus (02/13): 728 EX, 728 EQ, Discover LP (03/13): 731 TU, Walmart TU08 (06/13) 738
2013: 3/1/13 - Discover IT (Approved), 3/4/13 - Amex BCE (Approved), 5/4/13 - CSP (Approved), 6/12/13 - Barclay Ring (Approved)

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