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

Frequent Contributor

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

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!

20 REPLIES
Established Contributor

Re: DENY....APPROVE....APPROVE--OMG!

wow, congratulations!!!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Contributor

Re: DENY....APPROVE....APPROVE--OMG!

Wow that is awesome Congrats.

TU: Fico 678 6-19-13 677 8/23/13
EQ: Fico 665 7-5-13 665 8/23/13
EX: Fico 681 Lender pulled 8/23/13


New Contributor

Re: DENY....APPROVE....APPROVE--OMG!

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.

Super Contributor

Re: DENY....APPROVE....APPROVE--OMG!

You're in the prime world now Smiley Happy

 

Congrats




Frequent Contributor

Re: DENY....APPROVE....APPROVE--OMG!

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

Super Contributor

Re: DENY....APPROVE....APPROVE--OMG!

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




Senior Contributor

Re: DENY....APPROVE....APPROVE--OMG!

Yay!  Congrats for you!!

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Mega Contributor

Re: DENY....APPROVE....APPROVE--OMG!


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?





EQ FICO 548 3/3/16
Valued Contributor

Re: DENY....APPROVE....APPROVE--OMG!

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

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015