@Brian_Trying_700 wrote:I was denied by Amex with a credit score by Fico 652. They came back with a Zync $500.00 c/l if I had proof I had a checking account where they can take the money out every month. After the 6-12 month period the will make it unlimited spending. I had two baddies that were 6 years old. You have to get your foot in the door. They will do a hard pull if you are applying for your 1st Amex. If people have a Amex and apply for another one it counts as a soft pull. I would wait for you scores to go up.
I you have an Amex, and you apply for another, it counts as a soft pull only if you are denied. If you are approved, it will be a HP. CLI are SP.
Starting Score: TU:676;EQ:648 8/2011
@daisydvm wrote:
@Anonymous wrote:
I really want to app for Amex zync, current fico scores are EQ 640, tu 560, exp fako 620. Got approved for auto loan thru my cu a month ago. Should I just pull trigger and apply for the zync. I had a closed charge off acct with them 6 years ago and one closed paid as agree with them 7 years ago as well, is it worth an inquiry???
You need to call and pay off the CO account before AMEX will think about extending new lines of credit to you. They may offer you the oasis program when you call and it actually won't hurt to ask. However you might as well forget about the zync with that upaid CO. Amex has an indefinite memory.
+1 for Oasis program if you call and pay. That's the best way back into AMEX for you.
Good advice, my head is telling me to garden, my hands keep wanting to app!!! 
I got my Amex Green with a very low fico around 613 EX. I did get a preselected offer in the mail though, so I assume they knew what they were getting into haha.
Transunion - 820 (9/8/21)
@Anonymous wrote:
Good advice, my head is telling me to garden, my hands keep wanting to app!!!
Gardening doesn't always mean just sitting and waiting. Anyone who has had a garden knows that there's a lot of work pulling out the weeds, and fertilizing, and pinching back, and pruning, and keeping things in optimum condition.
Whatever you've got holding down your scores, keeping working on that and making your garden bloom. 
@haulingthescoreup wrote:
@Anonymous wrote:
Good advice, my head is telling me to garden, my hands keep wanting to app!!!Gardening doesn't always mean just sitting and waiting. Anyone who has had a garden knows that there's a lot of work pulling out the weeds, and fertilizing, and pinching back, and pruning, and keeping things in optimum condition.
Whatever you've got holding down your scores, keeping working on that and making your garden bloom.
+1