Reply
Valued Contributor
Posts: 2,263
Registered: ‎07-23-2012
0

Re: Lost in Amex country...


drew11 wrote:

creditnocash wrote:

might want to wait for jan though. 

everytime you get a card your aaoa will take a hit. but if you wait for jan. if you get approved all cards will be backdated to jan 2012 giving you an extra year on each card. 

just my 2 cents. 


"All cards will be backdated to jan 2012..."?! I thought, in this case for example, the OP Zync's opening date would stay the same and be in September 2012 while every other card applied for in the future will be the month of the application but with the year of 2012. Therefore by waiting to apply for the card in January instead of this month, the card would say it was actually opened January 2012 (instead of October 2012) and give you an extra 9 months on that specific card (not the Amex cards applied beforehand).

sorry for the misinterpretation. 

i meant all cards he now applys for would be backdated. not the ones he already has. 

but as op posted he does not care about his aaoa. 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:4


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Posts: 2,371
Registered: ‎03-15-2012
0

Re: Lost in Amex country...

I go in spurts. Hit a few apps this year, and it won't happen again until I see another "sparkly" down the road.

Regular Contributor
Posts: 121
Registered: ‎06-20-2012
0

Re: Lost in Amex country...


creditnocash wrote:

drew11 wrote:

creditnocash wrote:

might want to wait for jan though. 

everytime you get a card your aaoa will take a hit. but if you wait for jan. if you get approved all cards will be backdated to jan 2012 giving you an extra year on each card. 

just my 2 cents. 


"All cards will be backdated to jan 2012..."?! I thought, in this case for example, the OP Zync's opening date would stay the same and be in September 2012 while every other card applied for in the future will be the month of the application but with the year of 2012. Therefore by waiting to apply for the card in January instead of this month, the card would say it was actually opened January 2012 (instead of October 2012) and give you an extra 9 months on that specific card (not the Amex cards applied beforehand).

sorry for the misinterpretation. 

i meant all cards he now applys for would be backdated. not the ones he already has. 

but as op posted he does not care about his aaoa. 


No that's fine I thought I had been misinterpreting it all along for a second! :smileyvery-happy: Thanks!
06/16/13 Equifax FICO 733
06/16/13 Experian FICO 745
06/16/13 TransUnion FICO 740

PenFed Platinum: $1000 | Chase Freedom: $5500 | Discover IT: $1500 | Amex BCP $17,600 | Chase CSP: $8000 | Chase Hyatt: $5000
Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: Lost in Amex country...

I also got my Zync last month and still not reporting ...... :smileyfrustrated: ... I wonder how much longer I need to wait for it to report


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
Posts: 2,263
Registered: ‎07-23-2012
0

Re: Lost in Amex country...


kobe2012 wrote:

I also got my Zync last month and still not reporting ...... :smileyfrustrated: ... I wonder how much longer I need to wait for it to report


usually reports a few days after the statement closes. 

 

i got mine sep 5th (apped aug 30th) statement close was the 28th and was on ck around the 6th

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:4


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: Lost in Amex country...


creditnocash wrote:

kobe2012 wrote:

I also got my Zync last month and still not reporting ...... :smileyfrustrated: ... I wonder how much longer I need to wait for it to report


usually reports a few days after the statement closes. 

 

i got mine sep 5th (apped aug 30th) statement close was the 28th and was on ck around the 6th


my statement closed sept 24th and still not on my report... maybe the second statement.... I just wanna apply for freedom and I was thinkin maybe I'll have a better shot if AMEX is on my report....


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.