bichonmom wrote:Amex doesn't recon like other CCs do. You need to specifically address and rectify the reasons in their denial.
What is your util? What are your other CCs and CLs?
It sounds like maybe they're seeing only lower limit cards and/or higher util. Amex is VERY picky about util, among other things!
+1
I probably would have gotten mine the 1st app. if my util. was 8% from the get go.
bichonmom wrote:Amex doesn't recon like other CCs do. You need to specifically address and rectify the reasons in their denial.
What is your util? What are your other CCs and CLs?
It sounds like maybe they're seeing only lower limit cards and/or higher util. Amex is VERY picky about util, among other things!
My current CC collection is as follows:
Discover More: 3/2000 CL
Chase Freedom 0/800 CL
BankAmericard 123 Rewards: -13/1000
DFCU Financial CU Platinum: 0/1000
I recived my Discover 2 years ago, Chase in 8/11 and BankAmericard/DFCU on 1/2012.
All the above was reported on my CR before I applied.
GBPac12 wrote:
bichonmom wrote:Amex doesn't recon like other CCs do. You need to specifically address and rectify the reasons in their denial.
What is your util? What are your other CCs and CLs?
It sounds like maybe they're seeing only lower limit cards and/or higher util. Amex is VERY picky about util, among other things!
My current CC collection is as follows:
Discover More: 3/2000 CL
Chase Freedom 0/800 CL
BankAmericard 123 Rewards: -13/1000
DFCU Financial CU Platinum: 0/1000
I recived my Discover 2 years ago, Chase in 8/11 and BankAmericard/DFCU on 1/2012.
You should be fine getting the Zync.
LS2982 wrote:
GBPac12 wrote:
bichonmom wrote:Amex doesn't recon like other CCs do. You need to specifically address and rectify the reasons in their denial.
What is your util? What are your other CCs and CLs?
It sounds like maybe they're seeing only lower limit cards and/or higher util. Amex is VERY picky about util, among other things!
My current CC collection is as follows:
Discover More: 3/2000 CL
Chase Freedom 0/800 CL
BankAmericard 123 Rewards: -13/1000
DFCU Financial CU Platinum: 0/1000
I recived my Discover 2 years ago, Chase in 8/11 and BankAmericard/DFCU on 1/2012.
You should be fine getting the Zync.
I think so too, but I really never like the Zync card, mainly because it isn't "upgradeable" lol. But thank you for the advice guys. I will just have to try and fax them my CR and go over the details. Wish me luck!!!!
GBPac12 wrote:
LS2982 wrote:
GBPac12 wrote:
bichonmom wrote:Amex doesn't recon like other CCs do. You need to specifically address and rectify the reasons in their denial.
What is your util? What are your other CCs and CLs?
It sounds like maybe they're seeing only lower limit cards and/or higher util. Amex is VERY picky about util, among other things!
My current CC collection is as follows:
Discover More: 3/2000 CL
Chase Freedom 0/800 CL
BankAmericard 123 Rewards: -13/1000
DFCU Financial CU Platinum: 0/1000
I recived my Discover 2 years ago, Chase in 8/11 and BankAmericard/DFCU on 1/2012.
You should be fine getting the Zync.
I think so too, but I really never like the Zync card, mainly because it isn't "upgradeable" lol. But thank you for the advice guys. I will just have to try and fax them my CR and go over the details. Wish me luck!!!!
Think of the Zync as a stepping stool to getting your BCE. You have to crawl before you walk................
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
Think of the Zync as a stepping stool to getting your BCE. You have to crawl before you walk................
True, but chances are that I will use my BCE exclusively over the Zync. I just hate closing card and am pretty sure that this would be the route I would take if I decide to apply for the Zync.
