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Frequent Contributor
WhiteCollar
Posts: 309
Registered: ‎04-07-2012
0

Now that Zync is gone......

Now that Zync is gone, what is the best way to get your foot in the door with AMEX? I'm not a fan of charge cards, more interested in their revolvers. I really, really, I'm mean really the Costco True Earnings card but I've heard that's not the best card to app for if you are new to the AMEX family. I've heard of folks getting the Delta SkyMiles Gold card and doing a PC later. I'm open to taking that route.

 

Thanks in advance for your suggestions! :smileyvery-happy:

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Now that Zync is gone......

Starwood preferred guest and delta skymiles gold, even the blue....

Good luck!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Now that Zync is gone......

It really depends on what your profile is like. Green would probably be the next easiest card to qualify for, and Delta Gold is the easiest revolver to qualify for by a large margin. SPG on the other hand is one of the hardest.

 

If you have scores in the 700s, a decent income, AAoA of 2-3+ years, no recent or major derogs, and at least 1-2 cards with moderate-sized TLs (5k or higher), getting an Amex revolver without a charge card isn't too difficult. If your scores are under 700, you might be better off applying for the green first. There are also reports of people getting a Delta gold with ~680 FICO.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor
ccnewcc
Posts: 560
Registered: ‎09-29-2012
0

Re: Now that Zync is gone......


CreditScholar wrote:

It really depends on what your profile is like. Green would probably be the next easiest card to qualify for, and Delta Gold is the easiest revolver to qualify for by a large margin. SPG on the other hand is one of the hardest.

 

If you have scores in the 700s, a decent income, AAoA of 2-3+ years, no recent or major derogs, and at least 1-2 cards with moderate-sized TLs (5k or higher), getting an Amex revolver without a charge card isn't too difficult. If your scores are under 700, you might be better off applying for the green first. There are also reports of people getting a Delta gold with ~680 FICO.


Easier than the blue cards?  Blue, sky and Cash?

 

Why would this be?  cuz of the AF?

Established Contributor
searchingfor67
Posts: 668
Registered: ‎08-02-2011
0

Re: Now that Zync is gone......


CreditScholar wrote:

It really depends on what your profile is like. Green would probably be the next easiest card to qualify for, and Delta Gold is the easiest revolver to qualify for by a large margin. SPG on the other hand is one of the hardest.

 

If you have scores in the 700s, a decent income, AAoA of 2-3+ years, no recent or major derogs, and at least 1-2 cards with moderate-sized TLs (5k or higher), getting an Amex revolver without a charge card isn't too difficult. If your scores are under 700, you might be better off applying for the green first. There are also reports of people getting a Delta gold with ~680 FICO.


+1

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012
0

Re: Now that Zync is gone......

I just got the old a couple of weeks ago w/ the scores in my sig and less than 3 yeas AAoA and one 5 year old repo

Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: Now that Zync is gone......


CreditScholar wrote:

It really depends on what your profile is like. Green would probably be the next easiest card to qualify for, and Delta Gold is the easiest revolver to qualify for by a large margin. SPG on the other hand is one of the hardest.

 

If you have scores in the 700s, a decent income, AAoA of 2-3+ years, no recent or major derogs, and at least 1-2 cards with moderate-sized TLs (5k or higher), getting an Amex revolver without a charge card isn't too difficult. If your scores are under 700, you might be better off applying for the green first. There are also reports of people getting a Delta gold with ~680 FICO.


I got approved for Delta with 675....They told me im border line with toys limit of 1k.......i also apps for the green card on the same day too......

Hope its help

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Contributor
ccnewcc
Posts: 560
Registered: ‎09-29-2012
0

Re: Now that Zync is gone......

[ Edited ]

Okay so Amex will approve you for the gold with scores of 650-675 with some negatives.

 

But they won't approve you if you don't have any revolving credit will they?

 

The gold can't be that easy.  Can it?  lol!

 

 

ETA:  And are we talkin approval with recon or instant approval?  Amex can't be that lax with the gold?  Can they?  lol

Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012
0

Re: Now that Zync is gone......

www.whogavemecredit.com


ccnewcc wrote:

Okay so Amex will approve you for the gold with scores of 650-675 with some negatives.

 

But they won't approve you if you don't have any revolving credit will they?

 

The gold can't be that easy.  Can it?  lol!


They started me out with $2800 CL w/ 650 score.

 

Then again, I also have a Zync NPSL for close to 6 months, so that may have helped offset the low score and derog

 

Established Contributor
ccnewcc
Posts: 560
Registered: ‎09-29-2012
0

Re: Now that Zync is gone......

Yeah im sure the zync helped in that case.  But 2800CL with 650 and a repo.  Wow.

 

Congrats to you!

 

 

 


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