topic Re: AMEX-ZYNC in Credit Cards

AMEX-ZYNC

Anonymous — Mon, 19 Jul 2010 18:12:26 GMT

Finally APPROVED 2day, for the above card! This is great !

How should I handle this card? Any suggestions? Can I use it at let say the grocery store, gas et? or would this raise a red flag?

Thanks!!

Re: AMEX-ZYNC

bakalao2k — Mon, 19 Jul 2010 18:23:33 GMT

I use my AMEX Blue at the grocery store all the time.

Re: AMEX-ZYNC

Anonymous — Mon, 19 Jul 2010 18:24:37 GMT

Use it everywhere it is accepted for all your normal purchases.

Re: AMEX-ZYNC

Anonymous — Mon, 19 Jul 2010 18:33:17 GMT

Aside from your scores, what were your vitals when you applied?

Age of accounts?

Income?

Any other card(s) you might have?

Any baddies on your reports?

Any and all info will be appreciated. I'm thinking about pulling the trigger for this card in about a week.

Re: AMEX-ZYNC

Gibran — Mon, 19 Jul 2010 19:08:46 GMT

Hey krisosa first of all Congrats on the new card!! Enjoy your new card

You should use your card anywhere and everywhere Amex is accepted. I've had mine for a couple of months now and it has basically become my "go to" card, I use for everything, I even have it set up for a couple of automatic bill payments for my cell phone and cable.

Re: AMEX-ZYNC

eparker — Mon, 19 Jul 2010 20:10:53 GMT

Ok...Just curious. I am waiting to be able to get an Amex card. I need that BIG MAJOR CARD. I am trying to wait until my scores hit around the 650 mark. Which Amex should I go for, the green card or the Zync? Which one if any maight alow a ding or two. I'm also trying to get a few more negatives removed.

Thanks

Re: AMEX-ZYNC

eparker — Mon, 19 Jul 2010 20:15:43 GMT

ooops...score are TU: 590 and Eq: 576

Re: AMEX-ZYNC

Anonymous — Mon, 19 Jul 2010 20:27:09 GMT

Thx everyone! It feels good (lol)

@jforsyth-

Aside from your scores, what were your vitals when you applied?

Age of accounts? The longest account (active) is: 1.3 years

Income? Income: 50k

Any other card(s) you might have? I have kays, kohls, etc

Any baddies on your reports? Clean Report - No Lates

and my new experian score is: 722 (fico) per lender

Any and all info will be appreciated. I'm thinking about pulling the trigger for this card in about a week.

Re: AMEX-ZYNC

Anonymous — Tue, 20 Jul 2010 02:41:00 GMT

Thank you!

Re: AMEX-ZYNC

Anonymous — Tue, 20 Jul 2010 03:04:09 GMT

Are you gonna apply?

Re: AMEX-ZYNC

Anonymous — Tue, 20 Jul 2010 03:38:32 GMT

@Anonymous wrote:
Are you gonna apply?

I'm on the fence...

I'll have 6 months of perfect history with BofA once this month's statement posts. I put all of my payments on the card and PIF before the statement posts. I don't know if I should wait or not.

I know people with similar limited history have been approved for Zync recently, but who knows if that was just a July 4th approval spree by AmEx.

I was also looking at Citi Forward for 5x the points for restaurants and Amazon (I'm a college student and I eat out way too much for my own good ). I'm more hesitant about pulling the trigger with Citi. Before the new credit card laws went into place, people were getting the Forward card with my credentials. Now, however, many have said that Citi wants to see 6 months of history on TWO cards to be approved for Forward (which is pretty curious considering the card is marketed towards college students).

I don't know my FICOs (I'm waiting for my 6th statement to post to purchase them). My Credit Karma (TU) FAKO is 728 and my Quizzle (EX) FAKO is 658 (not that either of those figures mean anything). Both Citi and Amex pull Experian first.

I make about $12,000 a year with a part time job. I have no inquiries on any bureau in the past 6 months. I have 0 on EQ, 1 on TU, and 1 on EX in the past year.

I think I'm going apply for Zync first. If I get approved, I'll use it for 6 months along with my BofA card and then apply for Forward. If I get denied, I'll wait another 6 months and apply for both at the same time.

Re: AMEX-ZYNC

Anonymous — Tue, 20 Jul 2010 11:59:14 GMT

My wife just got a SSN (she is an import and got a Green Card too) 3 months ago. I added her 2 months ago as AU on my Amex Delta Gold and Discover. She just got approved for Zync on her own. So she was able to get it with no realy credit history at all.

Re: AMEX-ZYNC

Anonymous — Tue, 20 Jul 2010 12:39:20 GMT

@Anonymous wrote:
My wife just got a SSN (she is an import and got a Green Card too) 3 months ago. I added her 2 months ago as AU on my Amex Delta Gold and Discover. She just got approved for Zync on her own. So she was able to get it with no realy credit history at all.

Wow...you guys are really building my confidence haha.

What type of histories did the Delta Gold and the Discover card have?

Re: AMEX-ZYNC

Anonymous — Tue, 20 Jul 2010 18:26:56 GMT

Delta Gold was 9 months

Discover I've had sonce 1999 (one of my first CC)

Here again my wife was only AU for about 2 months and only had a SSN issued for 3 months

Re: AMEX-ZYNC

Anonymous — Tue, 20 Jul 2010 18:35:26 GMT

Keep us posted!

Good Luck-