Reply
Contributor
Mandazoid
Posts: 92
Registered: ‎08-23-2011
0

Question on AMEX Zync

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?


Starting Score: 609 (8/23/11)
Current Score: TU: 799 (7/31/14) EX PLUS: 770 (5/7/14)
Goal Score: 820
Regular Contributor
flyingmd
Posts: 219
Registered: ‎06-17-2011
0

Re: Question on AMEX Zync

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.

Established Contributor
Guava
Posts: 767
Registered: ‎04-08-2011
0

Re: Question on AMEX Zync

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.


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Contributor
Mandazoid
Posts: 92
Registered: ‎08-23-2011
0

Re: Question on AMEX Zync

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.).


Starting Score: 609 (8/23/11)
Current Score: TU: 799 (7/31/14) EX PLUS: 770 (5/7/14)
Goal Score: 820
Frequent Contributor
csol47
Posts: 253
Registered: ‎06-10-2011
0

Re: Question on AMEX Zync

[ Edited ]
This is more applicable to credit cards where interest rates are factored. In the case of a charge card I don't believe a temporary limit (it will most likely be removed after a few months of good payment history) is considered the same way... since otherwise your terms and fees are the same as everyone's. That said, I'm sure they will give it to you if you call. :smileyhappy:

Starting Score: TU 680 FAKO
Current Score: EQ 721 FICO TU 784 FICO
Goal Score: 850


Take the FICO Fitness Challenge
Established Contributor
Guava
Posts: 767
Registered: ‎04-08-2011
0

Re: Question on AMEX Zync


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.


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Contributor
Mandazoid
Posts: 92
Registered: ‎08-23-2011
0

Re: Question on AMEX Zync

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!


Starting Score: 609 (8/23/11)
Current Score: TU: 799 (7/31/14) EX PLUS: 770 (5/7/14)
Goal Score: 820
Established Contributor
SevenNEW
Posts: 522
Registered: ‎08-24-2011
0

Re: Question on AMEX Zync

I also received no score with my BCP...

SevenNEW, Garden Nerd - In the Garden until 2015!
4.2K 10K 24.6K
Contributor
Linuss
Posts: 107
Registered: ‎08-20-2011
0

Re: Question on AMEX Zync

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.

Valued Contributor
ptr2593
Posts: 1,486
Registered: ‎08-14-2011
0

Re: Question on AMEX Zync

My AMEX Clear letter gave me my EX and my apr is 19.94%.  I don't know what the APR range is though.

In My Wallet:
AMEX BCE, Citi Forward, Chase Freedom

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}