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New Contributor
PetRaccoon
Posts: 359
Registered: ‎11-29-2011

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)
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LS2982
Posts: 15,434
Registered: ‎04-09-2011

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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011

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 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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LS2982
Posts: 15,434
Registered: ‎04-09-2011

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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009

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".

New Contributor
PetRaccoon
Posts: 359
Registered: ‎11-29-2011

Re: Will I get approve for a Amex card

[ Edited ]

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)
Moderator Emeritus
fused
Posts: 16,243
Registered: ‎03-12-2007

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.:smileyhappy:

Frequent Contributor
quest208
Posts: 423
Registered: ‎11-25-2011

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.

USAA FAKO: Experian 767, Transunion 743, Equifax 734
FICO: Transunion: 738, Equifax 731
Credit Sesame: Experian 721
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Community Leader
Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011

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 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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New Member
ChinoMix
Posts: 10
Registered: ‎12-24-2011

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?

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