Shocked Approval - Amex Zync

[Anonymous]

I just thought I would give it a try without any real hope of getting approved for it and somehow the AMEX gods smiled down on me!!!!  As of today, the FAKO score I have on CreditKarma is 599 ( updated recently) and my FICO from Walmart is 659 (doesn't include one new CC that hit my report that brought my FAKO down to 599).  I'm at 71% UTI (I know it's high but slowly being paid down) and have 6 inquiries showing.  Average age with the few new cards I opened is now around 2 years with the longest being 7 1/2 (Perfect payment history).  My only other Major CC is a Cap One.

I think this goes to say that if you don't care about the hard pull going on your credit report.....amazing things could happen with Amex

[Anonymous]

Congrats! $500 limit or NPSL?

[Anonymous]

500 limit.  I wish it was NPSL but all I really care about at this point is the member date for down the road.  I could always prepay or do multiple payments per month to get around the 500 limit

[migo13]

Nice job! I was recently approved for the 500 as well, and am eagerly awaiting it to arrive. What is a Walmart FICO?

[Anonymous]

with the wallmart card issued by GE you can get a monthly TU98 Fico score by going paperless. if you shop at wallmart and pay in full every month i would get it. 

Congrats on the amex! cant wait to get mine in the mail should be anyday now...

[Anonymous]

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@Anonymous wrote:

with the wallmart card issued by GE you can get a monthly TU98 Fico score by going paperless. if you shop at wallmart and pay in full every month i would get it. 

Congrats on the amex! cant wait to get mine in the mail should be anyday now...

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that is a tu08 score, not tu98

[Anonymous]

Why thank you!