Re: amex what gives?

bichonmom · ‎05-05-2011

I got Zync and Costco and didn't get a score with either. They are only required to give you a FICO if they're giving you less than their best terms (interest rate). All Costco Amex have the same interest rate, so there are no "less than best" terms. And charges don't have interest rates because they're PIF.

I also just got Citibank Plat and didn't get a score. But I did get their lowest interest rate.

So, it seems that you only get your FICO if it's a card with an interest rate and they're giving a rate that is higher than their lowest available.

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EQ FICO 731 | TU FICO 751 (Walmart) | EX FAKO 748 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

creditnocash · ‎07-23-2012

ok thanks.

now just waiting on word from amex for my mothers costco. (since im the only other person on the account i wanted to be added as an au but it backfired but still think it was a soft pull if he even did the app)

my grandmother even has one of those and her only income is disability and ss. =___=

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000

Credit Cards

Re: amex what gives?

Re: amex what gives?