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Suprising AMEX Approval

Valued Member

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!

Message 1 of 12
11 REPLIES
Regular Contributor

Re: Suprising AMEX Approval

Congratulations!

Message 2 of 12
Valued Member

Re: Suprising AMEX Approval

Thank you! 

Message 3 of 12
Member

Re: Suprising AMEX Approval

Congratulations! I'm getting rid of Orchard too, and couldn't be happier.  Smiley Very 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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Message 4 of 12
Super Contributor

Re: Suprising AMEX Approval

Congrats!

Message 5 of 12
Valued Contributor

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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Message 6 of 12
Valued Member

Re: Suprising AMEX Approval

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.

Message 7 of 12
Regular Contributor

Re: Suprising AMEX Approval

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

Message 8 of 12
New Contributor

Re: Suprising AMEX Approval

Congratulations!!!!!!!!!!!  Hey, to paraphrase Tom Cruise, AMEX.........there is NO substitute Smiley Happy

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EQ FICO...816
Message 9 of 12
Regular Contributor

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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Message 10 of 12