topic Re: Zync Approved in Credit Cards

Zync Approved

Xercien — Tue, 10 Aug 2010 02:22:24 GMT

current cards:

Barclaycard - $500

Platinum best buy mastercard - $1500

no debt

semi current scores in signature

Couldn't resist the temptation for applying anymore...so I filled it out and got approved instantly so yay!

Re: Zync Approved

Creditaddict — Tue, 10 Aug 2010 03:21:00 GMT

Congrats... Great card!! Wait 6 months and you will probably be good for a Amex Credit Card product also

Re: Zync Approved

Xercien — Tue, 10 Aug 2010 03:24:30 GMT

yay probably will go for a clear since i wouldnt hit the spending limit on the blue cash till july - sept

Re: Zync Approved

Anonymous — Tue, 10 Aug 2010 03:42:19 GMT

I was approved last wed, currently waiting on the card to arrive.

Re: Zync Approved

Red1Blue — Tue, 10 Aug 2010 11:54:03 GMT

Congrats..

Re: Zync Approved

Gibran — Tue, 10 Aug 2010 12:14:53 GMT

Congrats!! You'll enjoy the card, don't forget to add some packs to it to get the most out ot the MR points. I got this card back in the beginning of June and have ran alot through it so far, haven't had any problems at all. I like the 'Check Your Spending Ability' link on their site, where you can put in an amount to see if it would be approved. At the end of the year I'm going to app for an Amex credit card, either the Delta or Starwoods.....

Congrats again

Re: Zync Approved

Anonymous — Tue, 10 Aug 2010 14:30:29 GMT

@Xercien wrote:
yay probably will go for a clear since i wouldnt hit the spending limit on the blue cash till july - sept

Congratulations. I'm a one month holder of the Zync. Seems like most with the Zync are either just leaving subprime land or have "young" credit.

It will be interesting to see around the end of the year who are able to get different products within AMEX after using the Zync a few months. Will want to compare notes for sure!

Re: Zync Approved

FicoScore626 — Tue, 10 Aug 2010 14:59:46 GMT

@Anonymous wrote:

@Xercien wrote:
yay probably will go for a clear since i wouldnt hit the spending limit on the blue cash till july - sept

Congratulations. I'm a one month holder of the Zync. Seems like most with the Zync are either just leaving subprime land or have "young" credit.

It will be interesting to see around the end of the year who are able to get different products within AMEX after using the Zync a few months. Will want to compare notes for sure!

What are the lowest scores you've seen get approved for the Zync?

Re: Zync Approved

Xercien — Tue, 10 Aug 2010 15:33:18 GMT

How much spending per category does it take to break even when getting a pack?

Re: Zync Approved

Creditaddict — Tue, 10 Aug 2010 21:59:53 GMT

@FicoScore626 wrote:

@Anonymous wrote:

@Xercien wrote:
yay probably will go for a clear since i wouldnt hit the spending limit on the blue cash till july - sept

Congratulations. I'm a one month holder of the Zync. Seems like most with the Zync are either just leaving subprime land or have "young" credit.

It will be interesting to see around the end of the year who are able to get different products within AMEX after using the Zync a few months. Will want to compare notes for sure!
What are the lowest scores you've seen get approved for the Zync?

Think I saw 642 get approved. I know my friend got Gold with 654

Re: Zync Approved

FicoScore626 — Tue, 10 Aug 2010 23:45:23 GMT

@Creditaddict wrote:

@FicoScore626 wrote:

@Anonymous wrote:

@Xercien wrote:
yay probably will go for a clear since i wouldnt hit the spending limit on the blue cash till july - sept

Congratulations. I'm a one month holder of the Zync. Seems like most with the Zync are either just leaving subprime land or have "young" credit.

It will be interesting to see around the end of the year who are able to get different products within AMEX after using the Zync a few months. Will want to compare notes for sure!
What are the lowest scores you've seen get approved for the Zync?

Think I saw 642 get approved. I know my friend got Gold with 654

I'm *tempted* to apply in December when all of my inquiries are 1 year and a several months ago, my utilization is chopped down tremendously, and a number of my student loan late payments hit the 7 year mark and go *POOF*, but I have a feeling American Express wouldn't touch me with a ten foot pole, lol..

Re: Zync Approved

Anonymous — Wed, 11 Aug 2010 00:13:41 GMT

For reference purposes, I was approved yesterday for Premier Rewards Gold

EX 657 (AMEX hard pull)

TU and EQ FICO - 674

31% utilization

3 cards with 4 years of perfect history

Orchard $900 CL - $0 Balance - 4 YR

BBRZ $600 CL - $0 Balance - 2 YR

Cap One $2500 CL - $1200 Balance - 4YR

1 CO from APR 2004 with Cap One

1 60 day late in 2005 on mortgage - 5 YR Perfect history since

4 30 day late from 2007 (joint car loan with ex)

9 months perfect history on new car loan (11/09)

DTI ~15%

Hope this helps and best of luck when or if you choose to apply...

Thanks to all that have and continue to help with my credit repair journey!

Re: Zync Approved

Xercien — Mon, 16 Aug 2010 22:14:28 GMT

Been using this since i got it on saturday.

Does anyone else never show pending transactions? Mine just go straight through.