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Valued Member
heatherbee
Posts: 47
Registered: ‎07-14-2009
0

Suprising AMEX Approval

I received a preapproved offer in the mail for the Zync card, and figured I'd go ahead and apply for shiggles. Instant approval! I have some major lates from over 2 years ago (not that long ago, I thought) and a small paid collection (5 years old) on 2 of my reports.  I'm really glad to be in!  I know a lot of you hate AMEX, and especially the Zync card, but I couldn't be more thrilled!  Now I just have to see what's better, my new Zync card or my 2 Navy Fed cards!  For anyone interested, I had 3 inquiries this year, they pulled Experian (currently deployed, but used NC address) EX FAKO of 657, with FICOs EQ 664 and TU 706.  Goodbye Orchard!

Regular Contributor
asteroidblues
Posts: 117
Registered: ‎05-12-2010
0

Re: Suprising AMEX Approval

Congratulations!

Valued Member
heatherbee
Posts: 47
Registered: ‎07-14-2009
0

Re: Suprising AMEX Approval

Thank you! 

Member
NikkiD
Posts: 18
Registered: ‎04-01-2010
0

Re: Suprising AMEX Approval

Congratulations! I'm getting rid of Orchard too, and couldn't be happier.  :smileyvery-happy:


Starting Score: 675 TU 646 EX 656 EQ
Current Score: 701 TU 646?? EX 686 EQ
Goal Score: 750 TU 750 EX 750 EQ


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Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008
0

Re: Suprising AMEX Approval

Congrats!

Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
0

Re: Suprising AMEX Approval


heatherbee wrote:

I received a preapproved offer in the mail for the Zync card, and figured I'd go ahead and apply for shiggles. Instant approval! I have some major lates from over 2 years ago (not that long ago, I thought) and a small paid collection (5 years old) on 2 of my reports.  I'm really glad to be in!  I know a lot of you hate AMEX, and especially the Zync card, but I couldn't be more thrilled!  Now I just have to see what's better, my new Zync card or my 2 Navy Fed cards!  For anyone interested, I had 3 inquiries this year, they pulled Experian (currently deployed, but used NC address) EX FAKO of 657, with FICOs EQ 664 and TU 706.  Goodbye Orchard!


Congrats!


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Valued Member
TimothyBryce
Posts: 49
Registered: ‎05-20-2010
0

Re: Suprising AMEX Approval

[ Edited ]

Congrats!

 

There's nothing wrong with the Zync card.  Its got a low AF and has the benefits that all Amex cards carry.  The only negative is that it uses Membership Rewards Express instead of the regular Membership Rewards.   If you're not a heavy spender this won't make a difference.  

 

You can always product change later after developing a good history with Amex if you feel that you'd be better off with a standard Membership Rewards card.

Regular Contributor
asteroidblues
Posts: 117
Registered: ‎05-12-2010
0

Re: Suprising AMEX Approval

What is the difference between Membership Rewards and Membership Rewards Express?

New Contributor
LustForTheMoment
Posts: 65
Registered: ‎03-24-2007
0

Re: Suprising AMEX Approval

Congratulations!!!!!!!!!!!  Hey, to paraphrase Tom Cruise, AMEX.........there is NO substitute :smileyhappy:

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EQ FICO...816
Regular Contributor
sonson
Posts: 241
Registered: ‎12-04-2009
0

Re: Suprising AMEX Approval

congrats with Amex!


Starting Score: EQ 548 [ Feb 2010 ]
Current Score: TU 663 EQ 686
Goal Score: 700


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