Established Contributor
corymcd88
Posts: 895
Registered: ‎12-12-2011
AMEX card?

I have an AMEX ZYNC since Jan 2012 Spending limit is $3000.00 I asked about product change I can't. I would like AMEX BCE card. My EX score is 701. If I apply is a HP or a SP?

Walmart / SYNCB - 4,500/7,500 | JCP MasterCard / SYNCB - 4,000 | Dillard's / SYNCB - 5,000 | Amazon / SYNCB - 1,500 | Chevron / SYNCB - 1,000 | Belk / SYNCB - 3,000 | Aeromexico Visa / US Bank - 300 | Capital One - 500/1,700 | Bank Of America 123 Cash Back - 2,500 | Wells Fargo - 300 |AMEX ZYNC - NPSL | AMEX Hilton HHonours - 2,000 | USAA AMEX - 250 | PenFed Platinum Rewards Visa Signature - 18,400 | PenFed Travel Rewards AMEX - 5,000.
Senior Contributor
jsucool76
Posts: 3,665
Registered: ‎12-11-2011
Re: AMEX card?

corymcd88 wrote:

I have an AMEX ZYNC since Jan 2012 Spending limit is $3000.00 I asked about product change I can't. I would like AMEX BCE card. My EX score is 701. If I apply is a HP or a SP?


Right now it is policy that you can not PC a zync to anything, although I don't think you could PC any charge product to a revolver. 

 

If you applied now you would get a HP if you were approved, but a SP if denied, so there isn't anything to lose really. 

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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
Re: AMEX card?
You should consider Jan 2013 for backdating purposes.



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
Senior Contributor
jsucool76
Posts: 3,665
Registered: ‎12-11-2011
Re: AMEX card?

LS2982 wrote:
You should consider Jan 2013 for backdating purposes.

+1

 

Didn't even think of that!

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