Reply
Valued Contributor
Posts: 2,281
Registered: ‎09-16-2011
0

Re: ZYNC Gone???


LS2982 wrote:

huntforfun wrote:

I know there are better cards out there, but reading the other post about AMEX pulling EX (which is my best report with one old charge off set to fall off in 2014) I would have liked to get my foot in the door with AMEX and was hoping to eventually get a better card down the road. I guess the bright side is im staying in the garden longer.


You can still get your foot in the door with AMEX charge cards. Zync / Green / Gold / PRG all have the same approval criteria.

 


perhaps for the NPSL cards its the same the Zync had the hardlimit options which meant people got the card that would not of qualified for the others. 

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 & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
Frequent Contributor
Posts: 253
Registered: ‎06-10-2011
0

Re: ZYNC Gone???

[ Edited ]

Zync is a great card for frequent diners like me (zync+prg killer combo if you travel a lot). I'd be sad to see it go. On that note I just signed into the zync pack store and it's all kinds of messed up...

Have to wonder what they're up to these days. Bonus mall is own, they just completely revamped the travel site (with the exception of the terrible FHR interface).


Starting Score: TU 680 FAKO
Current Score: EQ 721 FICO TU 784 FICO
Goal Score: 850


Take the FICO Fitness Challenge
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: ZYNC Gone???

@ DIMITRIP what cb did they pull if I may ask?

Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: ZYNC Gone???


Credit314 wrote:

@ DIMITRIP what cb did they pull if I may ask?


I could almost guarantee you that AMEX pulled EX for the approvals, possibly might have pulled another or all 3 since the poster was kind of borderline with his scores



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: ZYNC Gone???


jamesdwi wrote:

LS2982 wrote:

huntforfun wrote:

I know there are better cards out there, but reading the other post about AMEX pulling EX (which is my best report with one old charge off set to fall off in 2014) I would have liked to get my foot in the door with AMEX and was hoping to eventually get a better card down the road. I guess the bright side is im staying in the garden longer.


You can still get your foot in the door with AMEX charge cards. Zync / Green / Gold / PRG all have the same approval criteria.

 


perhaps for the NPSL cards its the same the Zync had the hardlimit options which meant people got the card that would not of qualified for the others. 


Very true, I think that is why a lot of people think the Zync has more lenient approval criteria, but its actually just the counter-offers that set it apart from the other charge cards.



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Established Member
Posts: 35
Registered: ‎05-01-2012
0

Re: ZYNC Gone???

I only see an inquiry on exp. The truth is I am just guessing what my score is, it could be higher, I just payed my citi card down to 0 it and it just reported on friday, util was above 50%,  last time I saw my score and it was 630 at that time.

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: ZYNC Gone???

Thanks.. Did you have any baddies?

Established Member
Posts: 35
Registered: ‎05-01-2012
0

Re: ZYNC Gone???

none, I migrated to US couple years ago and just started establishing credit. Clean report , however went a bit overboard applying for credit few months ago so lots of inq.

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: ZYNC Gone???

Thank alot

Super Contributor
Posts: 6,653
Registered: ‎05-23-2009
0

Re: ZYNC Gone???

Sorry to see it is gone. It is a good starter card for most people.  I hope they will let me to keep the card.

 

 

Ron.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.