Valued Contributor
Posts: 2,262
Registered: ‎07-23-2012
Re: Am I the only one who dislikes my ZYNC?

GoldenloveNY wrote:

creditnocash wrote:

im not trying to start a debate or anything but alot of people have said that they have been denied for another amex  due to a zync card. 

i actually well technically apped for a costco te when my mom and i opened our exec card and she took a pull but i didnt. she was denied due to zync being too new. (which at the time was like 3 weeks) but she also had high util and a bk reporting. 

 

i might apply for giggles next week for the te or a bce just too get my score.

my amex scores have been 715 (credit secure) for 3+ months but when i called they said they dont even use those scores..... okay lol 

the rep basically said the only way too know is to apply. 


If my memory served me correctly, these people had a hard limit version of the Zync card. The rumor is that if you have a hard limit Zync, Amex will deny any future credit applications (but one posted awhile back that he/she got a BCP even with a hard limit Zync).


hmm well if they got a bcp with a hard limit zync id say that their credit reports have changed for the better. i dont plan on closing out my zync though before 2015 if i ever do. 

i wonder if you app over the phone with a rep vs a online application it might be for the better? as i applied for my freedom via phone because i couldnt fit my best buy cc number for the balance transfer.... lol didnt even end up using the bt and just paid it off. 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000