Credit Cards

[Itsrx1]

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FicoTron wrote:

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Itsrx1 wrote:
As of last night I had 3-4 CO from 5-6 years ago, 1 collection from 5-6 years ago as well, my EQ is 640, tu is 585, and exp is 620 (plus score)

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Wow, one of the lower scores I have seen approved for Amex, especially with the negs on there. Gives me hope for my upcoming Gold app.

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Believe me I was surprised myself, but I'll take it and run

[LS2982]

@itsrx lol i sure would too!!!

[amercnchopz34]

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LS2982 wrote:
Zync is a charge card that is PIF every month and also is AMEX's easiest card to get approved.

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For some........lol

[bichonmom]

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Itsrx1 wrote:
Do you guys know if I will receive my experian score once my card arrives?

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You don't get your FICO w/Zync (at least, I didn't) unless you don't get NPSL. They are only required to provide FICO when you get less than their best terms.

Also, IMO, you should wait before calling about the backdating. They may or may not have the info when you talk with the reps. Just wait until you get your card, set up online acct., and you'll immediately see at the upper left-hand corner your Member Since date. Mine showed up, and I didn't need to do a thing. 

[LS2982]

You'll get there amercnchopz, one day at a time! It took me 1 year from rebuilding to get AMEX to like me.

[Itsrx1]

Yeah amrcnchopz no worries you'll get there

[Itsrx1]

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bichonmom wrote:

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Itsrx1 wrote:
Do you guys know if I will receive my experian score once my card arrives?

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You don't get your FICO w/Zync (at least, I didn't) unless you don't get NPSL. They are only required to provide FICO when you get less than their best terms.

Also, IMO, you should wait before calling about the backdating. They may or may not have the info when you talk with the reps. Just wait until you get your card, set up online acct., and you'll immediately see at the upper left-hand corner your Member Since date. Mine showed up, and I didn't need to do a thing. 

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Great! Thanks that's what I'll do, longest 7-10 business days since I started to rebuild my credit, I'm more happy about this card than my car loan through the cu lol

[Eschaton]

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Itsrx1 wrote:
Do you guys know if I will receive my experian score once my card arrives?

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I don't think you get your score on approval.

[Itsrx1]

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Eschaton wrote:

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Itsrx1 wrote:
Do you guys know if I will receive my experian score once my card arrives?

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I don't think you get your score on approval.

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I want to know my true exp score badly

[opiy26]

I hope Itsrx1 doesn't mind me asking a questions in their thread but since I was just approved for a AMEX credit card through USAA would applying for a ZYNC now be doing to much to soon? I can wait a while if needed. I am just looking at options to better my credit. I have no other credit cards than the USAA AMEX that is coming.

Thanks!