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New Contributor
Posts: 359
Registered: ‎11-29-2011
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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)
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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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
Valued Contributor
Posts: 1,659
Registered: ‎04-06-2011
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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


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Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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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
Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009
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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
Posts: 359
Registered: ‎11-29-2011
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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
Posts: 16,381
Registered: ‎03-12-2007
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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

Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Frequent Contributor
Posts: 427
Registered: ‎11-25-2011
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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
Valued Contributor
Posts: 1,659
Registered: ‎04-06-2011
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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


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