Credit Cards

[LS2982]

If you were recently approved, list whether you got NPSL or hard limit. List other info. if your cool doing so. This should be a good reference for members wanting in with AMEX ad need further info. on the card.

[theagent26]

I was approved for the Zync last month with the scores in my sig. I have some old baddies (2 CO now ~5yrs old), a couple lates here and there that are getting old as well. I got NPSL, but I'm still a little nervous when I use it in the mall or at a meal lol! I still wonder if I should have tried for an AMEX Green? Oh well, I'm gonna baby this card for 6 months and see where I'm at afterwards. Hope this helps everyone!

[LS2982]

I was at EX FICO 700, 2 baddies (6yr old paid tax lien, 3 30 day lates on paid off auto loan latest Oct 2010) AAoA 1.5yrs. Overall util. 8%. Approved for NPSL.

[Itsrx1]

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LS2982 wrote:
I was at EX FICO 700, 2 baddies (6yr old paid tax lien, 3 30 day lates on paid off auto loan latest Oct 2010) AAoA 1.5yrs. Overall util. 8%. Approved for NPSL.

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i was approved for amex zync as well about a week ago with npsl, how did you guys find out what your experian scores were from amex? they never sent me my score

[LS2982]

@Itsrx I'm a member of PSECU, the only spot to get EX FICO free monthly.

[Itsrx1]

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theagent26 wrote:

I was approved for the Zync last month with the scores in my sig. I have some old baddies (2 CO now ~5yrs old), a couple lates here and there that are getting old as well. I got NPSL, but I'm still a little nervous when I use it in the mall or at a meal lol! I still wonder if I should have tried for an AMEX Green? Oh well, I'm gonna baby this card for 6 months and see where I'm at afterwards. Hope this helps everyone!

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how did you get amex to give you your score?

[Eschaton]

Approved with the following on 3/24/2012

AAoA: 1 year 3 months
Experian: 728
Inquiries: 3
Baddies: late payments on child support, assorted 30, 60, 90 and 120 days that were all resolved
History: 1 revolving account with Capital 1 Journey

Good luck to anyone who's applying!

[theagent26]

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Itsrx1 wrote:

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theagent26 wrote:

I was approved for the Zync last month with the scores in my sig. I have some old baddies (2 CO now ~5yrs old), a couple lates here and there that are getting old as well. I got NPSL, but I'm still a little nervous when I use it in the mall or at a meal lol! I still wonder if I should have tried for an AMEX Green? Oh well, I'm gonna baby this card for 6 months and see where I'm at afterwards. Hope this helps everyone!

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how did you get amex to give you your score?

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I just called them before my card arrived and asked what was the score the pulled from EX. They told me immediately.

[Brian_Trying_700]

I was just approved in October with 2 baddies on my Ex 1 c/o and 1 med bill for $200.00. The c/o was from 7 years ago and the med was from 4yrs ago. 1st I was denied and called the backdoor # and ask me if I had a checking account. I was approved for $500.00. Its a start. My fico score was 664

[Creditaddict]

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theagent26 wrote:

I was approved for the Zync last month with the scores in my sig. I have some old baddies (2 CO now ~5yrs old), a couple lates here and there that are getting old as well. I got NPSL, but I'm still a little nervous when I use it in the mall or at a meal lol! I still wonder if I should have tried for an AMEX Green? Oh well, I'm gonna baby this card for 6 months and see where I'm at afterwards. Hope this helps everyone!

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Not sure why you would want Green over Zync... I think Zync has better rewards... If you are going higher then Zync, I would be looking at Gold with some of the sign on bonus stuff and regular Member Rewards vs. Express.

Run a test charge for $1000.00 If that is approved you can rest easy on dinner and mall unless you are already charging much higher, Either way I would not stress.