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Frequent Contributor
jasimae
Posts: 311
Registered: ‎07-18-2011
0

Have Hard Limit Zync...Just Approved for Green

I know there's been a lot of discussion on the forum about whether or not you can get approved for another AmEx card while having the hard limit Zync. I have the $500 hard limit Zync, which I received last October. I've used it extensively, and mind you....I NEVER set up the autopay. I just paid the bill multiple times per month to ensure it was manageable for me and that I never overextended myself. I apped for the green back in June and was denied. I believe my Exp score at that time, as per the denial letter, was 649. I apped again on 10/9, after a major derogatory account fell off all three reports. As per the USAA Experian FAKO score I was at 587 and once the derogatory account fell off my FAKO jumped to 696, so I assumed that my actual Experian FICO had to be much higher. My 10/9 app was instantly denied. I called the backdoor nmber and was told that they used my Experian report from 9/22. I asked if I could fax an updated report and they said yes. I did that same day and waited. Next day online status changed from DENIED to IN PROGRESS. On 10/15 they did a hard pull and I followed up with a call on 10/16. Was told it was being reviewed by underwriting and to continue waiting. I checked status everyday all day. Finally, I just checked a few minutes ago and status changed to APPROVED. I'm psyched! Still don't know what my actual Exp FICO ended up being but it must be decent. And I was at 90% utilizatio as well. I had just paid down my cards to 50% utilization but they ont update until the end of the month. I guess underwriting must have been sattisfied with my strong payyment history over the past year. I have one HSBC charge-off from 2010 on all reports--it has a zero balance and 2 satisfied State tax liens on EQ only.
Valued Contributor
injustifiiable
Posts: 1,864
Registered: ‎03-30-2012
0

Re: Have Hard Limit Zync...Just Approved for Green

You could probably MOV off those tax liens on EQ...just a thought. :-)

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

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New Contributor
mrcrush20
Posts: 113
Registered: ‎05-06-2012
0

Re: Have Hard Limit Zync...Just Approved for Green

nice, i would hate to close my zync. thanks for the update






Regular Contributor
GlocksAndCredit
Posts: 169
Registered: ‎08-26-2012
0

Re: Have Hard Limit Zync...Just Approved for Green

YES! Success!!!!!!!! Gives us all hope (((((((: CONGRATS!!!!!

CSP $5000, Chase Freedom Sig Visa $5000, United MileagePlus Sig Visa $5000, Capital One VentureOne Sig Visa $5000, Citi ThankYou Preferred Sig Visa $5000, Capital One Quick Silver MasterCard $4000, Amazon Store Card $3700, Citi Simplicity Visa $3000, Sallie Mae Mastercard $2000, Fidelity AMEX $2000, BCE AMEX $2000, Amazon Reward Visa $1800, Barclays Apple Visa $1700, Discover IT $1500, Suncoast FCU $1000, Target REDCard $300

Current Scores: EQ 701 (Fico), EX 707 (Fico) **In the Garden unti....forever.
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Have Hard Limit Zync...Just Approved for Green


collinsridge wrote:

YES! Success!!!!!!!! Gives us all hope (((((((: CONGRATS!!!!!


Agree, thanks for sharing your outcome... this will give good info to other zync cardholders who have the 500 HL option


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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Established Contributor
YahComb
Posts: 599
Registered: ‎03-10-2012
0

Re: Have Hard Limit Zync...Just Approved for Green

wasn't your limit actually raised though? thats kind of a unique situation for most with the 500HL autopay Zync.. When you were approved for your zync last year was it instant?

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
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Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Regular Contributor
dude11
Posts: 237
Registered: ‎06-07-2011
0

Re: Have Hard Limit Zync...Just Approved for Green

I knew it!!!!

Regular Contributor
Fresh-Start
Posts: 238
Registered: ‎10-18-2012
0

Re: Have Hard Limit Zync...Just Approved for Green

Awesome news!!!! Congrats!!

Frequent Contributor
jasimae
Posts: 311
Registered: ‎07-18-2011
0

Re: Have Hard Limit Zync...Just Approved for Green

I've tried and tried and tried.  No go to remove them from EQ.  I'm exhausted from trying!

Frequent Contributor
jasimae
Posts: 311
Registered: ‎07-18-2011
0

Re: Have Hard Limit Zync...Just Approved for Green

Actually, it wasn't.  What had happened was that I had forced a payment to them through my bank account for a charge that hadn't posted yet.  So  my available credit was temporarily inflated.  It corrected itself, though!


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