topic Re: AMEX GOLD in Credit Cards

AMEX GOLD

danisgods — Thu, 26 Aug 2010 02:41:04 GMT

Is that possible for someone to be approved for an Amex Gold, even though nothing came out off the pre-selected website?

Has it ever happened to anyone here?

Help ou , please!

Re: AMEX GOLD

Anonymous — Thu, 26 Aug 2010 02:50:32 GMT

I've tried the pre-selected website several times and each time I got the same response

There are no offers available at this time, Blah Blah Blah.

Guess what......................... Called AMEX and applied for the ZYNC and was approved.

Similar scores as well,

EQ - 736 (8/15/10)

TU - 709 (7/31/10)

Re: AMEX GOLD

mross1080 — Thu, 26 Aug 2010 02:48:29 GMT

I was not pre approved for anything and went ahead and apped for the zync and was instantly approved so yes it can happen. I dont think there pre selector actually pulls a soft when you try I think they check there system to see if they have softed you recently and if not it comes back with nothing. Could be wrong though. If your scores are good and you want it go for it. Good Luck!!

Re: AMEX GOLD

danisgods — Thu, 26 Aug 2010 02:54:49 GMT

why go for the zync instead of AMEX gold?

Re: AMEX GOLD

Anonymous — Thu, 26 Aug 2010 02:57:24 GMT

Sure it's possible if you have good credit history.

Re: AMEX GOLD

Anonymous — Thu, 26 Aug 2010 02:58:21 GMT

@danisgods wrote:
why go for the zync instead of AMEX gold?

10k bonus points and a $25 annual fee maybe?

Re: AMEX GOLD

Anonymous — Thu, 26 Aug 2010 03:00:22 GMT

I called just to see if I would get approved. I did not think I would get approved.

The reason why I applied for the ZYNC is because it has a 25 dollar AF, Gold is 125.00 (free the first year)

Re: AMEX GOLD

danisgods — Thu, 26 Aug 2010 03:00:46 GMT

@Anonymous wrote:
Sure it's possible if you have good credit history.

on FICO my

length of history is "not good" on both TU EQ

payment is GREAT

amount of credit is VERY GOOD

new credit is BAD

stand a chance or what?

Re: AMEX GOLD

armymom — Thu, 26 Aug 2010 03:03:46 GMT

I tried the preselect website several times with no luck as well. About two months ago I decided to apply for the green card anyway and was approved. With your scores, I'd go for it.

Re: AMEX GOLD

Anonymous — Thu, 26 Aug 2010 03:04:37 GMT

They pulled EX for me, I have 9 inq and five new accounts opened this year. And was approved.

Re: AMEX GOLD

danisgods — Thu, 26 Aug 2010 03:05:23 GMT

@armymom wrote:
I tried the preselect website several times with no luck as well. About two months ago I decided to apply for the green card anyway and was approved. With your scores, I'd go for it.

is the Zync easier to get than the GOLD?

Re: AMEX GOLD

danisgods — Thu, 26 Aug 2010 03:06:48 GMT

@Anonymous wrote:
They pulled EX for me, I have 9 inq and five new accounts opened this year. And was approved.

but my FACO EX is 663

so , i dont know....

Re: AMEX GOLD

Anonymous — Thu, 26 Aug 2010 03:08:10 GMT

I don't know. Let us know if you apply and the outcome.

Re: AMEX GOLD

Anonymous — Thu, 26 Aug 2010 03:09:14 GMT

Amex does not use FICO they have their own internal scoring system. Go with your gut feeling.

Re: AMEX GOLD

Anonymous — Thu, 26 Aug 2010 03:10:41 GMT

My TU and EQ reports are better than EX. That's why I was surprised that I actually got approved.

Re: AMEX GOLD

danisgods — Thu, 26 Aug 2010 03:10:50 GMT

@Anonymous wrote:
They pulled EX for me, I have 9 inq and five new accounts opened this year. And was approved.

i have 9 inq under EX for this year as well, but 2 of them are for Verizon Fios, and Verizon CellPhone, does it still count as Inq???

Re: AMEX GOLD

danisgods — Thu, 26 Aug 2010 03:12:28 GMT

i got approved the other day for the Best buy rewards $2000 it is not been reported yet, i think i should wait like a month or billing cycle just to get the scored boosted, right??? or no?

Re: AMEX GOLD

Anonymous — Thu, 26 Aug 2010 03:18:16 GMT

Like the other post said, go with your gut. I was approved with similar scores as the one's you have.

Re: AMEX GOLD

armymom — Thu, 26 Aug 2010 03:20:17 GMT

The Zync seems to be the easier to get from what I've read. There are more knowledgeable contributors that could better answer that question.

Re: AMEX GOLD

Anonymous — Sat, 11 Sep 2010 02:16:08 GMT

I'm not sure if Zync is easier. I think they are a approval spree. I was approved on the 9/8 with scores below 700