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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!
wow, congratulations!!!
Wow that is awesome Congrats.
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.
You're in the prime world now
Congrats
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) | |
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| 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. |
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| Thank you again for choosing American Express. |
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| Sincerely, |
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
Yay! Congrats for you!!
@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?
See if Amex will backdate your Zync card to the data open of your other card.