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WOW zync and delta amex approval

Member

WOW zync and delta amex approval

Guys im pretty surprised, shocked, and extremely happy. 

i decided to apply for the amex zync card and was instantly approved. i was shocked then thought let me test my luck. so i decided to apply for the gold delta skymiles card and was taken to a page which said call us back. i thought my luck had ran out. their offices were closed so i decided to check my application status. and it said approved to both. I thought this is great espescially since i have only had 1 year of credit history and 40% util. however its gonna be great to cancel my wells fargo secured card.

Message 1 of 19
18 REPLIES
Established Contributor

Re: WOW zync and delta amex approval

The 40% util part made me wow. Congrats on your approvals aand enjoy those beauties! !
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 2 of 19
Member

Re: WOW zync and delta amex approval

Yeah i thought the zync would be a long shot with that util but then the delta. i said well let me call it a year haha.i think the fact that my new job and its income is what really helped me out.

Message 3 of 19
Regular Contributor

Re: WOW zync and delta amex approval

congrats

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Message 4 of 19
Frequent Contributor

Re: WOW zync and delta amex approval

Congrats on the approvals! Great cards to get your hands on!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Message 5 of 19
Frequent Contributor

Re: WOW zync and delta amex approval

Wow they turned me down on zync....650 FIFO and 28% utl.   Discover didn't have an issue with me. B of A doesn't have a problem with me. Both gave me cc after Amex denied me. I'll just roll with disc and B of A. Amex has irratied me for the last time. 

CSR.........11,900.......Delta Amex $11,200.........Marriott Rewards Premier $8000.......Discover IT $9700......Citi Preferred $8600.......Chase Freedom $10,800.....Barclay(apple) $11,600......BofA $1500.......Capital One $7400......FNO $7200........Barclay(Hawaiian airlines)$11,000......Citi Costco $15,000. June 1st 2013 0 credit cards and 575 fico. Today 114K in credit and 784 fico and ZERO INQUIRIES......ZERO.
Message 6 of 19
Member

Re: WOW zync and delta amex approval

i think the thing that helped me is that i inflated what my actual income is. im currently in college so whatever my parents give me i used that as income aswell as what my books and tuition cost. i feel like amex may be very income based in a decision because thats the only way i see how i couldve gotten these cards

Message 7 of 19
Frequent Contributor

Re: WOW zync and delta amex approval

Be careful, because if you get picked for a FR you'll have an awfully hard time proving that your actual income matches what you put down!

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 8 of 19
Member

Re: WOW zync and delta amex approval

well the good thing is if that happens worst come to worst i can have my dad say that i work for his company saying that what i put down is my current income. which is what i put down. so hopefuly there are no rough seas ahead.

Message 9 of 19
New Contributor

Re: WOW zync and delta amex approval

Congrats! I'm also a college student and was approved with a year of history for the Delta Gold card. It seems that it's one of Amex's easier revolving cards to get as many people with short history have been able to get it. If I were you I wouldn't misstate my income on any further apps though.

AMEX SPG - $8k
Citi AA Visa - $6.5k
Walmart Discover - $5.5k
Citi Forward - $3.9k
Discover More - $2.5k
Wells Fargo Cash Back - $1.9k
Message 10 of 19