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amex what gives?

Valued Contributor

amex what gives?

i recieved my amex zync today! woo 

but there was no credit score or reasons for having a hard limit. 

i know they usually check ex  but i got a hit on my tu as well which im fine with. 

 

any specific place that thats in? 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
11 REPLIES
Contributor

Re: amex what gives?

Maybe you got away with NPSL?

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Valued Contributor

Re: amex what gives?

it goes 

zync card 

isuuer american express centurian bank

spending limit 500

cardmember name xxxxxxxxxxxxx

account ending in xxxxx

 

 

they gave me a 10 dollar credit for signing up for auto pay though. which they requried to get the 500 limit vs the 200 limit. 

 

my inquries were getting a little out of contol and my aaoa dropped huge this summer. 

thats why i wanted what amex saw my score was. 

but i looked throug the cheap paper that everything was printed on and no mention of a score. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor

Re: amex what gives?

when i got my Zync back in June it didn't give me any info on that either. I also accepted the $500 hard limit, but didn't mind b/c they approved me with such poor scores. EX FICO was ~568 give or take at that time.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Valued Contributor

Re: amex what gives?

568...you actually got approved with that score. Wow. What are the degros you had in June when approved?

OP- grats on new card


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
Mega Contributor

Re: amex what gives?

AFAIK AMEX does not give EX score if approved for a charge card product because there is no APR associated with it, your getting their best terms.



EQ FICO 548 3/3/16
Frequent Contributor

Re: amex what gives?

I app'd for the Gold Charge and was declined so they also declined me on the Zync....I got approved for the AMEX Gold Delta and CITI AA Amex....Scores were 670 on EQ, 681 per them, on my EX and i know my TU is 669 which they didnt pull

 

Im mad i couldnt get a charge or the Zync. I wanted to start with one of those for a year and then see if i can get a better AMEX. Ill apply next month and if i dont get it, then ill wait til Next year and ill make that one of maybe 3 inquiries that ill let myself use next year


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
Frequent Contributor

Re: amex what gives?

In my experience if AmEx is going to send you a score they'll mail it in a separate envelope. I got my score a few days before my BCP came.


Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

Take the FICO Fitness Challenge
Frequent Contributor

Re: amex what gives?

My PRG did not come with a score. I checked my old Zync from 2 years ago, that didn't either.... My BCE did come with a score though.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Valued Contributor

Re: amex what gives?


LS2982 wrote:
AFAIK AMEX does not give EX score if approved for a charge card product because there is no APR associated with it, your getting their best terms.

this makes sense. 

but it says if i miss a payment they will charge me 35 dollars or 20 percent of the charges whichever is higher or something like that. 

kind of impossible since its linked to autopay from my checking account. 

(so basically going to replace as my debit card to where places accept amex)

oh well from now on whatever i app for in amex will be soft pull. thats all that really matters to me.

and backdate. 

 

i wont be apping anymore anyways until eithier next september or later probably till january of 14' 

i need to garden with all my new cards and the installment loan for my car

my aaoa dropped from 1.8 years and then to 1.6 and now at a whopping 7 months. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000