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Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: YULP!!!!! Zync INSTANT APPROVAL!!!!


Duncanrr wrote:
BARBARIC YULP......approved for delta sky miles card also !!!!!!!!!!!!!!!!

Thanks everyone. I'm so happy. This balances the 12k hit I took for storm damage.

how much did they approved you again ?

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Regular Contributor
charyot77
Posts: 237
Registered: ‎06-21-2010
0

Re: YULP!!!!! Zync INSTANT APPROVAL!!!!

Congrats and welcome to the AMEX family! :cathappy:

Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

Re: YULP!!!!! Zync INSTANT APPROVAL!!!!

No idea on credit limit. How do I find that out?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
jamesdwi
Posts: 1,906
Registered: ‎09-16-2011
0

Re: YULP!!!!! Zync INSTANT APPROVAL!!!!

double congrats!!!

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

Re: YULP!!!!! Zync INSTANT APPROVAL!!!!

Small limit but already setup event in outlook.

Credit limit: $2,000


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Frequent Contributor
Sparkz1920
Posts: 271
Registered: ‎08-09-2009
0

Re: YULP!!!!! Zync INSTANT APPROVAL!!!!


jsucool76 wrote:

a recon on a card after you become a member can result in a HP with denial rather than a SP denial, unless you can convince them to use the same HP, but I don't know how they are with doing that. 


I got approved for a Delta Symiles and the applied fo the Gold...Denied. I believe they used the same credit report as i saw one inquiry from them on EQ...


Starting Score: 601
Current Score: 670
Goal Score: 700


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NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Established Contributor
traveler2005
Posts: 512
Registered: ‎08-13-2011
0

Re: YULP!!!!! Zync INSTANT APPROVAL!!!!

Duncanrr

 

Can you tell if you had any baddies on your report, I would like to apply soon, your scores are similar to mine. But I have a few paid baddies left on my report. Thanks in advance.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 675, Exp 653.,Eq 655
Goal Score: 700 across the board


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Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

Re: YULP!!!!! Zync INSTANT APPROVAL!!!!

[ Edited ]

I had a ton of baddies. :smileyhappy:

 

Sallie Mae Student loan 1x30 day (Dec 2010)

Sallie Mae Student loan 2x90 day (July 2011 and Nov 2006) -different account than the 30 day late

CO Verizon 2009 for $108 (paid)

Cap1 Auto complete mess (last late, 30x in March 2012). like 4 or so 60 days and 10x 30 days.

 

On other hand: My positives

26 accounts total on EX all perfect except the 4 above

AAoA over 10 years

Utilization 1%

DTI ratio 20%

5 years own my home

6 figure salary with 3 years at current job

Never had BK, judgment or lien...reports also no longer show any Collection accounts

3 months used AMEX paid debit card (For whatever thats worth) - pushed about 1k per month through it and never let balance fall below $50

 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
traveler2005
Posts: 512
Registered: ‎08-13-2011
0

Re: YULP!!!!! Zync INSTANT APPROVAL!!!!

Thanks Duncanrr, your info is very beneficial to those of us who want to bite the bullet, and take a chance on American Express.   Congratulations again on your new cards.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 675, Exp 653.,Eq 655
Goal Score: 700 across the board


Take the FICO Fitness Challenge
Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

Re: YULP!!!!! Zync INSTANT APPROVAL!!!!

[ Edited ]

I had nothing to lose.  Circumstances are forcing me to get SBA-disaster loan and since I found out today that its an EX pull and that a sub 700 score actually gets me a better loan (yes...its backwards with government) I decided that my scores are as good as I can get them right now except for a successful GW, so I might as well app.  My EX score is probably around 700.  Worst case, I didnt get cards but got better rate with SBA.

 

I think my other factors allowed me to get AMEX cards.  I'm not sure if I could get any other prime cards but with the ones I have right now and my CU products I'll be able to just garden those for a while and be very happy with them.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge

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