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.
GoldenloveNY wrote:Yea, the Zync looks cool (imo). I am still getting reactions from it. Now my response towards people asking if that's a new amex card is, "Yea, it was a new charge card from Amex that came out a while back, but it is no longer available to new clients. It was a available only for certain period of time, and to select individuals. It looks good, though right?".
x2 i actually went to a liquor store of all places and the owner rang me through.
he said oo a white one whats this one do. and i was just like ohh just the usual stuff but you cant get this one anymore.
special invitation lol.
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).
If my memory is correct as well, this was the case for hard-limit Zyncs; however, it changed right around the time Amex was cancelling the card if I have the timeline right. Granted our information is anecdotal but the denials for hard-limit Zyncs were repeated and often, and while I take CSR's with a grain of salt, apparently even their Executive group stated it explicitly. That's close enough for confirmation for me between the two.
Edit and PS: I love the Zync, but I'm not in a credit strata where I can easily get better rewards anyway and gift certificates to restaurants I eat at anyway, no problem in terms of rewards for me. I've already more than made up the AF including the additional packs in the three months I've been using it.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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YMMV
