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Established Contributor
espnjunkie
Posts: 727
Registered: ‎12-14-2011
0

Re: American express

Getting approved for any AMEX, even zync, is not easy. Your scores and credit history have to be pretty solid or amex won't even give you the time of day. 680+ scores are pretty much the minimum (exceptions exist) to qualify for an amex.

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), US Bank Business
TU-778 (04/28/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: American express


espnjunkie wrote:

Getting approved for any AMEX, even zync, is not easy. Your scores and credit history have to be pretty solid or amex won't even give you the time of day. 680+ scores are pretty much the minimum (exceptions exist) to qualify for an amex.



I'd say thats YMMV. Especially for Zync because iffy files usually get counteroffered the autopay $500CL or $200 hard limit.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Itsrx1
Posts: 141
Registered: ‎02-11-2012
0

Re: American express

thanks everyone, so HR called and said that amex realized the problem, theyll review the application and get decision in 7 days, **bleep**?!!!! come on, this is multi millions revenue company, why would they do that? im not embarrassed that i have the zync  but bc company has to go through hoops to get me a corporate card, vp of sales has to intervene and such, big hassle. i like to be under the radar, ya know!

Established Contributor
espnjunkie
Posts: 727
Registered: ‎12-14-2011
0

Re: American express

Of course, and I was referring to be approved for any revolver or any charge card with NPSL. Amex strongly takes income and assets into account as well. I know many people want to get in with amex when rebuilding and rush to apply for zync as soon as possible, but it might be best to garden an additional six months, get those scores up, and receive a npsl zync instead of getting one with autopay.

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), US Bank Business
TU-778 (04/28/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: American express


espnjunkie wrote:

Of course, and I was referring to be approved for any revolver or any charge card with NPSL. Amex strongly takes income and assets into account as well. I know many people want to get in with amex when rebuilding and rush to apply for zync as soon as possible, but it might be best to garden an additional six months, get those scores up, and receive a npsl zync instead of getting one with autopay.


+1

 

Agree!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: American express


Itsrx1 wrote:

thanks everyone, so HR called and said that amex realized the problem, theyll review the application and get decision in 7 days, **bleep**?!!!! come on, this is multi millions revenue company, why would they do that? im not embarrassed that i have the zync  but bc company has to go through hoops to get me a corporate card, vp of sales has to intervene and such, big hassle. i like to be under the radar, ya know!


Sorry to hear :smileysad:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Itsrx1
Posts: 141
Registered: ‎02-11-2012
0

Re: American express

just to update everyone,  my plum finally came in, HR sorted everything out, now the HR manager asked me if the Zync is worth it since the annual fee is cheaper, lol

New Contributor
jdogi
Posts: 75
Registered: ‎02-21-2010
0

Re: American express

Just tell them that you chose it partly because of the low AF, but mostly because you think it's the sexiest looking AMEX charge card there is.  Tell them that you may upgrade to a green or gold once you've banked 200k reward points because they will migrate to the better reward tier.  They will say "wow...this person is a real thinker, and with a great sense of style"

 

Case closed :smileyhappy:

Established Contributor
aussiesareforever
Posts: 741
Registered: ‎10-04-2010
0

Re: American express


jdogi wrote:

Just tell them that you chose it partly because of the low AF, but mostly because you think it's the sexiest looking AMEX charge card there is.  Tell them that you may upgrade to a green or gold once you've banked 200k reward points because they will migrate to the better reward tier.  They will say "wow...this person is a real thinker, and with a great sense of style"

 

Case closed :smileyhappy:



+1 :smileyhappy:

 

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)


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