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I applied last week for an AMEX Zync and was approved with a $500 CL if I enrolled in auto-pay (which I did). I received the card in the mail today along with all of my paperwork, but I don't see a credit score of any kind listed on any of the paperwork. I've heard that AMEX pulls EX, so I was really curious to see what my actual EX score was.
What gives?
Generally they only give you the score when they deny you. They have to put it in the denial letter. I geuss you can call them and see if the CSR can pull it up with your record but make sure they dont do another pull thinnking thats what you want.
The new act only requires card companies to provide score if you're denied. If you're approved, they may give it to you or they may not, it varies.
Really? I thought that CCCs also had to give you your credit score if you were approved, but did not receive the optimum benefits (lower CL, higher APR, etc.).
@Mandazoid wrote:Really? I thought that CCCs also had to give you your credit score if you were approved, but did not receive the optimum benefits (lower CL, higher APR, etc.).
If you don't get the most favorable term, they are required to tell you about the negative items on your report, not necessarily the score. Please correct me if I'm wrong.
Hmm...interesting. Thanks, csol! I'll have to give them a call and see if they'll tell me.
That may be the case, silver. I'm not sure!
I also received no score with my BCP...
I got approved for the BCE, and 2 days before I got the card, I got a letter that gave my FICO score in it. It stated I had a 748... but I also got the highest APR so I guess that's why they included the score.
My AMEX Clear letter gave me my EX and my apr is 19.94%. I don't know what the APR range is though.