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

New Contributor

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

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 Smiley Very Happy

 

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


Thanks so much for the info guys, Finally part of the 700 Club Smiley Happy

 

MV

 

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

700 Club
Message 21 of 33
Regular Contributor

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

Congrats that is awesome.

Message 22 of 33
New Contributor

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

Thanks Smiley Happy

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

700 Club
Message 23 of 33
Regular Contributor

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?

Message 24 of 33
New Contributor

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 Smiley Happy

 

 

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

700 Club
Message 25 of 33
Valued Contributor

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 Smiley Very Happy

 

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


Thanks so much for the info guys, Finally part of the 700 Club Smiley Happy

 

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.
Message 26 of 33
New Contributor

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 Smiley Happy , now to "garden"....

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

700 Club
Message 27 of 33
Regular Contributor

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


Take the FICO Fitness Challenge
Message 28 of 33
New Contributor

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

Thanks Smiley Happy

 

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
Message 29 of 33
Contributor

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

Citi forward is a nice student card Smiley Happy

.Believe.
Message 30 of 33