Reply
Regular Contributor
Posts: 157
Registered: ‎03-12-2010
0

Just got approved for Zync. What is next product up in American Express family?

So just looking at postings and saw this one where someone was approved for zync but had to connect his checking account up with it. Never was really interested in an American Express card but said why not. So as I am waiting for the denial screen I get you are approved. Now I see if I apply for another charge card today they count it as one pull. Which is the next step up in the American Express products after the Zync. 


Starting Score: EQ 603~TU 613
Current Score: EQ 763~TU 706
Goal Score: 810


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,413
Registered: ‎04-18-2008
0

Re: Just got approved for Zync. What is next product up in American Express family?

Green or plain Gold for charges.
Regular Contributor
Posts: 157
Registered: ‎03-12-2010
0

Re: Just got approved for Zync. What is next product up in American Express family?

Sorry to bother you again but I never had a card so I am not worried about backdating it. Should I apply for the charge like you mentioned or the credit like the blue card?


Starting Score: EQ 603~TU 613
Current Score: EQ 763~TU 706
Goal Score: 810


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Just got approved for Zync. What is next product up in American Express family?


toytoy wrote:

Sorry to bother you again but I never had a card so I am not worried about backdating it. Should I apply for the charge like you mentioned or the credit like the blue card?


Their Charge Cards are easier to get then their Credit Cards, your Siggy shows a very good EQ Score and a so so TU, are those FICOS and do you have any idea what your EX FICO is? AmEx is known to pull EX for their CC's but there have been instances they will pull TU as well when apping for their Charge cards.

 

To answer your question, the Gold is a step up from the Zync, but also carries a 125 AF I believe (I have the PR Gold and I believe the AF is 175 can't remember LOL) chances are you will not be approved for a second AmEx today, but yes, its been said you can do two AmEx apps in one day and only get hit with one hard, its up to you, why not shoot for the stars and go for the Blue??

 

Best of Luck!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Valued Contributor
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Just got approved for Zync. What is next product up in American Express family?

Wanted to edit my last post, but in case you're reading it now, didn't want you to miss this, in your OP you say the screen says if you apply for another Charge Card it will only be one hard pull, so it sounds like they want you to app for a Charge Card not a Credit Card ( I missed that when I read your post the first time) so the next step would be the Green or Gold, I'm not sure if the Green has an AF.

 

I also forgot to mention the Green in my other post, sorry for that.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Valued Contributor
Posts: 1,283
Registered: ‎04-06-2011
0

Re: Just got approved for Zync. What is next product up in American Express family?

Toytoy,

Did the Amex site tell you it'd be the same pull, or did you read that here on the forums? That is the talk here on the board, but I don't think I've read about it saying that on the Amex site itself.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Regular Contributor
Posts: 157
Registered: ‎03-12-2010
0

Re: Just got approved for Zync. What is next product up in American Express family?

It is confirmed it is talk on the boards. They pulled TU for the 2nd one but oh well lesson learned. 


Starting Score: EQ 603~TU 613
Current Score: EQ 763~TU 706
Goal Score: 810


Take the FICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.