Reply
Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

true earnings amex from costco-help for my mom.

[ Edited ]

so as for you guys know that i just got an amex zync. apperantly just passing the bar with the hard limit. (waiting on the letter with the score but earlier that day it was around 690) but i believe they pulled all three reports. well i know they pulled tu. 

 

well (my mother and i) got a costco membership today and she applied to get the amex card. 

and to put me as an au. 

 

the only problem is we explained this to the guy there and i think he put in as a co application. 

it says needs further review. well thanks to this forum i had my mother call the recon number and said it was denied because of a hard limit on the zync. 

she doesn't have any amex. (its mine) hence why i think he did the app WRONG. 

any advice? 

after about 30 minutes the rep said that they would review the app and notify her in 5 to 10 days. 

but we dont know if thats with me as a co applicant or not. 

 

between the two of us our income is around 115k. 

but like i said i only wanted to be an au and not an account holder. 

 

edit: checked the amex site and put in our socials.

it shows my zync as approved which i knew and not the costco one(doesnt show at all for me) 

but with her ssn it shows the costco app as pending

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

Re: true earnings amex from costco-help for my mom.

Amex does not do joint accounts, so yes they could have put you as AU on it but it would have been her social for approval.

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011

Re: true earnings amex from costco-help for my mom.

[ Edited ]

OlegWasHere wrote:

so as for you guys know that i just got an amex zync. apperantly just passing the bar with the hard limit. (waiting on the letter with the score but earlier that day it was around 690) but i believe they pulled all three reports. well i know they pulled tu. 

 

well (my mother and i) got a costco membership today and she applied to get the amex card. 

and to put me as an au. 

 

the only problem is we explained this to the guy there and i think he put in as a co application. 

it says needs further review. well thanks to this forum i had my mother call the recon number and said it was denied because of a hard limit on the zync. 

she doesn't have any amex. (its mine) hence why i think he did the app WRONG. 

any advice? 

after about 30 minutes the rep said that they would review the app and notify her in 5 to 10 days. 

but we dont know if thats with me as a co applicant or not. 

 

between the two of us our income is around 115k. 

but like i said i only wanted to be an au and not an account holder. 

 

edit: checked the amex site and put in our socials.

it shows my zync as approved which i knew and not the costco one(doesnt show at all for me) 

but with her ssn it shows the costco app as pending


It definitely sounds like the guy didn't understand what an AU is. Actually you should have just been an additional cardholder after she was approved.

 

At this point, I don't think there's anything you can do but wait. You've already called. If your mother is denied, she can apply again in the future, with just her on the app. She has to wait 60 days before she can apply again.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

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

Frequent Contributor
scientifics
Posts: 411
Registered: ‎05-01-2010

Re: true earnings amex from costco-help for my mom.


Creditaddict wrote:

Amex does not do joint accounts, so yes they could have put you as AU on it but it would have been her social for approval.


+1 Amex definitey does not do joint accounts!


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+