DENY....APPROVE....APPROVE--OMG!

[jasimae]

Hey Guys.

I just can't believe this.  I'm still in la-la land over what just transpired over the last 30 minutes.  I've been watching my scores like a hawk.  They're improving but no where near where I want them to be.  My FICO EQ is 659, FICO TU is 653 and USAA EXP (FAKO) says 628.  Well, I've been hoping and wishing I could get a better credit card, so I said what the hec.  Several folks on these boards have gotten cards so I figured I'd give it a go.  I apped for the USAA Platinum MC and was DENIED.  My heart dropped.  I was so deflated.  They pulled EQ (which has the two paid tax liens showing).  I figured, what the hey...let's just get it out of my system and do all the apps to all the cards that I've ever desired.  So I pulled the trigger and apped for Discover More. Cha-ching....APPROVED!  I nearly passed out.  I was literally frozen on my sofa from disbelief.  I got an approval and a message telling me to call in and verify my information and I did.....CL-----$2750.  Well...I was so ecstatic I decided to app for the Zync.  I had a Green AmEx that I screwed up in college (1993 to be exact).  I pulled the AmEx trigger and CHA-CHA-CHA-CHA-CHING.  APPROVED!  My world is ROCKED TONIGHT baby!  I'm SOOOOOO happy.  I never ever ever (did I say ever?) thought I would ever have two prime cards in my wallet ever.  For some reason I just thought I'd be reading about and living vicariously through everyone else's successes.  But not anymore BABY.  My fiance' is telling me...don't app for anything else.  I'm not.  I don't need to.  I mean, my scores aren't even that great.  I guess it was just my time.  MY TIME....YES.  THANKS to MyFico and everyone on these boards who shared their stories of encouragement and credit.  I'M STOKED RIGHT NOW!

[tennisfan78]

wow, congratulations!!!

[Mzvanessa]

Wow that is awesome Congrats.

[Anonymous]

Congratulations!! That's a pretty good starting limit for Discover. And you should be able to have the Zync backdated to 1993, which could give you a bit of score boost, depending on your average age now. Did you proceed right to setting up online access? The Member Since year might already be showing.

[CS800]

You're in the prime world now

Congrats

[jasimae]

I didn't set up online.  I was under the assumption that I had to wait for the card to arrive but maybe I misinterpreted the welcome message.

Your Account Number Ending: - (removed last numbers)
	Dear  (I removed my name)   ,

We are pleased to approve your application for ZYNC from American ExpressSM , and we'd like to welcome you to the benefits and services that come with Cardmembership. Your Card will arrive in the mail in 7 to 10 business days.   When your Card arrives, activate it at americanexpress.com/activate. You can also enroll to manage your account online - a fast, easy, and secure way to check your balance, make payments and sign up for mobile and e-mail alerts.

	Thank you again for choosing American Express.

Sincerely, American Express Customer Service

[CS800]

When I got my Zync, right after the approval, it gave me an option to sign up online which i did.

Initially you have a hard limit of $250 but after you activate your card, the hard limit goes away and it becomes NPSL

[Booner72]

Yay!  Congrats for you!!

[LS2982]

---

@jasimae wrote:

Hey Guys.

I just can't believe this.  I'm still in la-la land over what just transpired over the last 30 minutes.  I've been watching my scores like a hawk.  They're improving but no where near where I want them to be.  My FICO EQ is 659, FICO TU is 653 and USAA EXP (FAKO) says 628.  Well, I've been hoping and wishing I could get a better credit card, so I said what the hec.  Several folks on these boards have gotten cards so I figured I'd give it a go.  I apped for the USAA Platinum MC and was DENIED.  My heart dropped.  I was so deflated.  They pulled EQ (which has the two paid tax liens showing).  I figured, what the hey...let's just get it out of my system and do all the apps to all the cards that I've ever desired.  So I pulled the trigger and apped for Discover More. Cha-ching....APPROVED!  I nearly passed out.  I was literally frozen on my sofa from disbelief.  I got an approval and a message telling me to call in and verify my information and I did.....CL-----$2750.  Well...I was so ecstatic I decided to app for the Zync.  I had a Green AmEx that I screwed up in college (1993 to be exact).  I pulled the AmEx trigger and CHA-CHA-CHA-CHA-CHING.  APPROVED!  My world is ROCKED TONIGHT baby!  I'm SOOOOOO happy.  I never ever ever (did I say ever?) thought I would ever have two prime cards in my wallet ever.  For some reason I just thought I'd be reading about and living vicariously through everyone else's successes.  But not anymore BABY.  My fiance' is telling me...don't app for anything else.  I'm not.  I don't need to.  I mean, my scores aren't even that great.  I guess it was just my time.  MY TIME....YES.  THANKS to MyFico and everyone on these boards who shared their stories of encouragement and credit.  I'M STOKED RIGHT NOW!

---

Do you have other CC's? What is your Utilization on those when you apped?

---

[AndySoCal]

See if Amex will backdate your Zync card to the data open of your other card.