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ZYNC APPROVED! IM IN!!!!!

Regular Contributor

Re: ZYNC APPROVED! IM IN!!!!!

thank you for the # texasman, I called & the guy I talked to was clueless to what I was saying about the alternative offer of $500 SL w/autopay, he kept telling me it was declined.  I told him, yea I was declined for the regular Zync BUT offered me the options of $500 w/autopay or $200 without autopay, he put me on hold several times & finally came back with I need to wait for the letter in mail.  He said in the letter will be a form to complete with the option, UGH!!!! 

 

Did you speak to a supervisor?


Starting Score: 580
Current Score: Fico EQ-679, Fico TU-670, EX Plus-713, TU Walmart-697, CreditKarma-690
Goal Score: 700 Club


Take the FICO Fitness Challenge
Message 21 of 47
Regular Contributor

Re: ZYNC APPROVED! IM IN!!!!!

btw, CONGRATS!! what a feeling it must be, I hope I can resolve my issue.


Starting Score: 580
Current Score: Fico EQ-679, Fico TU-670, EX Plus-713, TU Walmart-697, CreditKarma-690
Goal Score: 700 Club


Take the FICO Fitness Challenge
Message 22 of 47
Valued Contributor

Re: ZYNC APPROVED! IM IN!!!!!

Good going texasman07!

If I remember correctly, we both got BofA secured cards about the same time, and AmEx gave us a shot right about the same time. I was approved for Green on 12/19. Treat it well!

A bit off topic, but has your BofA unsecured yet?

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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Message 23 of 47
Established Contributor

Re: ZYNC APPROVED! IM IN!!!!!

Wow! Awesome work getting your foot in the door! You've made it into the Amex family!

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 24 of 47
Established Contributor

Re: ZYNC APPROVED! IM IN!!!!!

Thanks everyone.  I keep going back to the application page and re reading it thinking there going to change it to declined! LOL

 

 

My BOfa Card hasnt unsecured yet.  I got it in APRIL 2011

Amex Delta Gold 1.5K Amex HH 2k Amex PRG NPSL, AMEX BCE 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 16.5K Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7K Gap Visa $8.5K; Walmart MasterCard 7.5K Sam's Club MC 9.5K Venture $15K Venture One 10K Quicksilver Visa Siggy 5K, Citi Shell MC 2k, Total Rewards Visa 4.2K Fuel Rewards MC 3K CITI AA Gold WEMC 8.4K Paypal Extras MC 8K, Citi Diamond WEMC 3.5K, Cit DC WEMC 3k, Citi Hilton Visa Siggy 8k.
Message 25 of 47
Frequent Contributor

Re: ZYNC APPROVED! IM IN!!!!!


texasman07 wrote:

My Experian is my lowest score.  and MANY Inquires.  3 baddies. 

 

 

So if I was able to get approved.  You should be able to.

 

 

My utilization is about 37 %

 

Not sure what my score is on Experian, they didnt give it to me yet


wow!   i need to go into the garden before i do something ill regret Smiley Very Happy

 

awesome!


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 26 of 47
Member

Re: ZYNC APPROVED! IM IN!!!!!

Here is a stupid question.

 

I just got a zync and was wondering in the package the card comes in do they tell you what credit buruea  they pulled from and what your credit score is? Because I cannot find it.

Current Cards: Discover More 6,750; Chase Freedom 1,400; Amex BCE 6,000
Message 27 of 47
Valued Contributor

Re: ZYNC APPROVED! IM IN!!!!!


_GNC wrote:

Here is a stupid question.

 

I just got a zync and was wondering in the package the card comes in do they tell you what credit buruea  they pulled from and what your credit score is? Because I cannot find it.



mine was EX in cali

 

Message 28 of 47
Super Contributor

Re: ZYNC APPROVED! IM IN!!!!!


dalebb wrote:

mine was EX in cali

 


Not sure why I thought you were in the midwest .




Message 29 of 47
Valued Contributor

Re: ZYNC APPROVED! IM IN!!!!!


CS800 wrote:

dalebb wrote:

mine was EX in cali

 


Not sure why I thought you were in the midwest .


Maybe its my accent

Message 30 of 47