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New Contributor
evohuntinwrx
Posts: 64
Registered: ‎10-02-2010
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Re: What does the FICO community think? (Yes, another AMEX Zync Question :-P )

[ Edited ]

UPDATE GUYS!!

 

So today I checked my score and i was mistaken originally. My last score was (which was a 670) was with a 50% reported balance from my Capital one. I paid it off, last month but apparently it the statement cut before the payment went through (hence my 670). But my Cap one is at $0 now, and it was just attributed to my account.

 

new score as of 10-28-2010? 710 :smileyvery-happy:

 

So as you can imagine, due to my youthful imaptience, I applied and was approved! My Zync will be arriving next week :smileyhappy:


Thanks so much for the info guys, Finally part of the 700 Club :smileyhappy:

 

MV

 

____________________________________________________________
EQ FICO - 710 as of 10/28/2010

700 Club
Regular Contributor
iluvmyfico
Posts: 163
Registered: ‎03-10-2008
0

Re: What does the FICO community think? (Yes, another AMEX Zync Question :-P )

Congrats that is awesome.

New Contributor
evohuntinwrx
Posts: 64
Registered: ‎10-02-2010
0

Re: What does the FICO community think? (Yes, another AMEX Zync Question :-P :)

Thanks :smileyhappy:

____________________________________________________________
EQ FICO - 710 as of 10/28/2010

700 Club
Regular Contributor
creditchild
Posts: 121
Registered: ‎06-29-2008
0

Re: What does the FICO community think? (Yes, another AMEX Zync Question :-P )

hey mike you said you got dinged for having your cap one cc,can you explain? and why did you

say you paid more thank you needed to? shouldn't that be a good thing?

New Contributor
evohuntinwrx
Posts: 64
Registered: ‎10-02-2010
0

Re: What does the FICO community think? (Yes, another AMEX Zync Question :-P )

So lets rewind 1 months ago, I purchased a plane ticket on my cap one (the plane ticket was $259, my CL was $500) ...

 

Towards the end of the statement I paid that off, I thought that it was going to attribute the payment to my account before the statement cut, but it didnt.... So my Utilization reported at over 50%

 

So this last statement I paid it off in full, and made sure all my other credit cards were at $0. And the cap one was even overpayed (thats why I mentioned that being a good thing), and i forgot that it was going to alter my score. So when I checked it today (before applying for the Zync) in turns out, that elminating my utilization sent me into the 700 club :smileyhappy:

 

 

____________________________________________________________
EQ FICO - 710 as of 10/28/2010

700 Club
Valued Contributor
bunnyrabbit
Posts: 1,413
Registered: ‎01-20-2008
0

Re: What does the FICO community think? (Yes, another AMEX Zync Question :-P )


evohuntinwrx wrote:

UPDATE GUYS!!

 

So today I checked my score and i was mistaken originally. My last score was (which was a 670) was with a 50% reported balance from my Capital one. I paid it off, last month but apparently it the statement cut before the payment went through (hence my 670). But my Cap one is at $0 now, and it was just attributed to my account.

 

new score as of 10-28-2010? 710 :smileyvery-happy:

 

So as you can imagine, due to my youthful imaptience, I applied and was approved! My Zync will be arriving next week :smileyhappy:


Thanks so much for the info guys, Finally part of the 700 Club :smileyhappy:

 

MV

 


Congratulation your score up and new card.  

It's your new baby now.  So, have fun on raising your new baby.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
It's very tough with small income ~ The Rewards are big little helper to me.
New Contributor
evohuntinwrx
Posts: 64
Registered: ‎10-02-2010
0

Re: What does the FICO community think? (Yes, another AMEX Zync Question :-P )

Thanks!

 

Your right, I am happy with the cards I have now :smileyhappy: , now to "garden"....

____________________________________________________________
EQ FICO - 710 as of 10/28/2010

700 Club
Regular Contributor
larinoriani
Posts: 182
Registered: ‎10-23-2010
0

Re: What does the FICO community think? (Yes, another AMEX Zync Question :-P )

Congrats and welcome to the 700 club!

Question, how much is the annual fee on the Zync?


Starting Score: EQ 737--TU 742
Nov/2010: EQ 737--TU 742
Nov/2011: TU 753
Goal Score: EQ 800--TU 800


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New Contributor
evohuntinwrx
Posts: 64
Registered: ‎10-02-2010
0

Re: What does the FICO community think? (Yes, another AMEX Zync Question :-P )

Thanks :smileyhappy:

 

It varies, it's essentially a "create your own rewards card" so the minimum is $25, but you can add packs that will generate more points for you, but increase your annual fee...

 

http://www201.americanexpress.com/getthecard/learn-about/Zync

 

Let me know if you have any more questions,

 

It will be a bit of a change for me, As I had a gold (as a AU) which used Membership Rewards, and this uses Membership Rewards Express.

____________________________________________________________
EQ FICO - 710 as of 10/28/2010

700 Club
Contributor
Gh0st
Posts: 79
Registered: ‎02-20-2010
0

Re: What does the FICO community think? (Yes, another AMEX Zync Question :-P )

Citi forward is a nice student card :smileyhappy:

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