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Will I get approve for a Amex card

New Contributor

Re: Will I get approve for a Amex card


quest208 wrote:
Why zync and not green (or gold)?

Cause without a FICO we can't be sure, with a FAKO at that much you can most likely get a Zync.. imo.

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)
Message 11 of 46
Mega Contributor

Re: Will I get approve for a Amex card

Do you know what your file looks like on EX?? If it's the same as EQ i'd see what your FICO is on this website and try for a charge card (Zync, Green) with AMEX if its over 660.




EQ FICO 548 3/3/16
Message 12 of 46
Valued Contributor

Re: Will I get approve for a Amex card

I've read on this forum that the criteria for the AmEx charge cards was the same, just the benefits and AF differed. I was shot down twice for the Zync and was approved for Green, so who knows.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Message 13 of 46
Mega Contributor

Re: Will I get approve for a Amex card


-Cain- wrote:
I've read on this forum that the criteria for the AmEx charge cards was the same, just the benefits and AF differed. I was shot down twice for the Zync and was approved for Green, so who knows.

They may pull multiple reports for revolvers tho if your scores are iffy. I don't think they do that for charge cards.




EQ FICO 548 3/3/16
Message 14 of 46
Moderator Emeritus

Re: Will I get approve for a Amex card


PetRaccoon wrote:

ChinoMix wrote:
It was a freescore.com I'm not sure...

I believe they give out Vantage scores, which are FAKOs..

 

I think you can apply for a Zync, but I can't say for sure if you'd get a Green.


They are actually TransRisk scores and therefore useless. VantageScores are used by a few lenders (Chase uses the VS for some decisions but not exclusively) but the wideapread use of VS's has not happpened yet.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Message 15 of 46
New Contributor

Re: Will I get approve for a Amex card


MarineVietVet wrote:

PetRaccoon wrote:

ChinoMix wrote:
It was a freescore.com I'm not sure...

I believe they give out Vantage scores, which are FAKOs..

 

I think you can apply for a Zync, but I can't say for sure if you'd get a Green.


They are actually TransRisk scores and therefore useless. VantageScores are used by a few lenders (Chase uses the VS for some decisions but not exclusively) but the wideapread use of VS's has not happpened yet.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


*barf*

 

Edit: My TransRisk wasn't too far from my TU98 FICO though..

 

Edit2: Then again my reports are clean of negs, For someone with negs I bet they'll vary much differently.. (As well as loans ect)

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)
Message 16 of 46
Moderator Emeritus

Re: Will I get approve for a Amex card


LS2982 wrote:

-Cain- wrote:
I've read on this forum that the criteria for the AmEx charge cards was the same, just the benefits and AF differed. I was shot down twice for the Zync and was approved for Green, so who knows.

They may pull multiple reports for revolvers tho if your scores are iffy. I don't think they do that for charge cards.


Amex pulled my EQ and EX reports when I apped for the Blue card and the Platinum card. My FICO scores weren't iffy, both scores were around 750. Sometimes there is no rhym or reason with what Amex does.Smiley Happy

Message 17 of 46
Frequent Contributor

Re: Will I get approve for a Amex card


LS2982 wrote:

-Cain- wrote:
I've read on this forum that the criteria for the AmEx charge cards was the same, just the benefits and AF differed. I was shot down twice for the Zync and was approved for Green, so who knows.

They may pull multiple reports for revolvers tho if your scores are iffy. I don't think they do that for charge cards.


so its "easier" to get a charge card than it is for a revolver?  i think i read that in another thread.....obviously im trying to soak in as much info about amex before may 2012...sometimes the info just slips out of my head i cant retain it all.


TU08 762
NFCU Visa Signature $20,000, Citi Prestige $15,500, USAA Mastercard $11,000, American Express Platinum, Barclays American Express $4700, Best Buy Mastercard $400, Orchard/Capital One $700
Message 18 of 46
Valued Contributor

Re: Will I get approve for a Amex card

I get the same feeling from what I've read. It does seem charge is a bit easier to get than revolver.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Message 19 of 46
New Member

Re: Will I get approve for a Amex card

I applied for the green card on thier website and it told me I need to call them for a instent decision or if I don't call then they will call me within 2-3 bissiness days...

Should I call them? or wait for them to call me? Am I most lickly to be approve or diclind?
And this happen to alot of people?
Message 20 of 46