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YAWP!!!!! Zync INSTANT APPROVAL!!!!

Valued Contributor

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: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 11 of 24
Regular Contributor

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

Congrats and welcome to the AMEX family! Cat Happy

Message 12 of 24
Valued Contributor

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

Take the FICO Fitness Challenge
Message 13 of 24
Valued Contributor

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

double congrats!!!

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 14 of 24
Valued Contributor

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

Take the FICO Fitness Challenge
Message 15 of 24
Frequent Contributor

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


Take the FICO Fitness Challenge

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
Message 16 of 24
Established Contributor

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 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 17 of 24
Valued Contributor

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

I had a ton of baddies. Smiley Happy

 

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

Take the FICO Fitness Challenge
Message 18 of 24
Established Contributor

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 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 19 of 24
Valued Contributor

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

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
Message 20 of 24