topic Re: Pre-Approved for Zync in Credit Cards

Pre-Approved for Zync

Anonymous — Tue, 07 Dec 2010 16:30:34 GMT

I occasionally like to dream and check the AMEX pre-approval site and usually nothing...BUT this morning I got excited to see a pre-approval for Zync! I have a few baddies over two years old and I am still trying to clean those off my reports before I apply. But it was so nice to this pre-approval! I just have to keep telling myself to be patient!

Has anyone applied and been approved with any old baddies on their report. Not that I plan to apply till I can clean my reports up a bit more...but I'm curious.

Re: Pre-Approved for Zync

Creditaddict — Tue, 07 Dec 2010 16:44:09 GMT

@Anonymous wrote:

Has anyone applied and been approved with any old baddies on their report. Not that I plan to apply till I can clean my reports up a bit more...but I'm curious.

I have seen a bunch of people with some baddies getting approved for Zync.

Re: Pre-Approved for Zync

ficonightmare — Tue, 07 Dec 2010 16:46:35 GMT

Yep. I'm on of those people that had 3 baddies on EX when I apped. Got approved anyway.

Not sure, but I think having a good history with them in the past may have helped. But who knows. Amex's approval makes no sense to me.

Re: Pre-Approved for Zync

OnWayUpinTexas — Tue, 07 Dec 2010 17:55:10 GMT

Had several lates on my report (5-6) that were 2 years old or older. Also had a very rocky history with Amex, including being on a payment plan with a Blue card as recently as 2 years ago. Approved Zync w/out a problem. (Disclosure: I am an AU on my boss's Platinum card and have been for about 3 years -- that may have helped.) However, I was not "pre-approved" as you are. I would go for it. I've read others' posts here saying Amex pre-approval is (mostly) reliable.

Re: Pre-Approved for Zync

halos24 — Tue, 07 Dec 2010 18:25:37 GMT

I was just approved early this morning with 5 baddies, and bankruptcy that is about 8.5 years old now. My Exp score is about 650 or so it was 641 about three months ago and that was an actual score with 13 inquiries. I would go for it, I pulled the trigger since I was not even pre-approved.

Re: Pre-Approved for Zync

Anonymous — Tue, 07 Dec 2010 18:29:20 GMT

My utilization is currently 11% but when my cards report at the end of the month it will be down to like 4% with only 1 card reporting a balance. Also, I am waiting on 1 dispute that will resolve before the end of the month. So once all that happens, I may go ahead and apply!

Re: Pre-Approved for Zync

Anonymous — Tue, 07 Dec 2010 18:51:38 GMT

Ok I went for it and INSTANT APPROVAL!!!!!!!! I am so happy...I can't believe it!!! Woo hoo! AMEX family!

Re: Pre-Approved for Zync

Creditaddict — Tue, 07 Dec 2010 18:57:15 GMT

@Anonymous wrote:
Ok I went for it and INSTANT APPROVAL!!!!!!!! I am so happy...I can't believe it!!! Woo hoo! AMEX family!

HAHA, Sweet

Re: Pre-Approved for Zync

Anonymous — Tue, 07 Dec 2010 18:59:19 GMT

Thanks...I only went for it because you all made feel confidant that I would be approved. I really don't want to waste any inquiries because I'm trying to buy a car early next year! Thanks again everyone!

Re: Pre-Approved for Zync

GTOflyer — Wed, 08 Dec 2010 00:07:17 GMT

I saw zync on my preapproval page and was approved today as well! I was skeptical since at 22 my file is pretty thin and my util is kinda high right now, but with only one INQ I figured why not.

I had a 697 EQ score yesterday and 1 CO from '07 that only shows on EQ, 2 revolving acct's AAoA: 3 yrs, Util: 60%

Re: Pre-Approved for Zync

Anonymous — Wed, 08 Dec 2010 02:12:14 GMT

where do i find the pre approved page? thanks

Re: Pre-Approved for Zync

Anonymous — Wed, 08 Dec 2010 02:32:14 GMT

@Anonymous wrote:
where do i find the pre approved page? thanks

https://www201.americanexpress.com/secure/my-special-offers

Choose not a card member yet and fill out form. It is a soft pull.

Re: Pre-Approved for Zync

OnWayUpinTexas — Wed, 08 Dec 2010 03:15:38 GMT

Congratulations to all! As with any CC, use it wisely and carefully. A good relationship with Amex is a good thing for the long term.

Re: Pre-Approved for Zync

masseye — Wed, 08 Dec 2010 03:28:39 GMT

I can't believe it......!!!

I just got approved for my very 1st Amex card.....I am 42yrs old and I did it!!! (my house is a year away).....its coming....thank you my fico!!!!

Congratulations, your application is approved!
We are excited to welcome you to Card membership and all the benefits and services that come with your Card. You should receive your Card in the mail. Your Card will be mailed in a white envelope displaying the American Express® Blue Box logo with a return address of Omaha, NE.

Once you receive your Card, activate online at www.americanexpress.com/activate and enroll to manage your account. Online account management from American Express is a fast, easy and secure way to monitor and manage your spending.

Re: Pre-Approved for Zync

Anonymous — Wed, 08 Dec 2010 06:50:24 GMT

@masseye wrote:
I can't believe it......!!!

I just got approved for my very 1st Amex card.....I am 42yrs old and I did it!!! (my house is a year away).....its coming....thank you my fico!!!!

Congratulations, your application is approved!
We are excited to welcome you to Card membership and all the benefits and services that come with your Card. You should receive your Card in the mail. Your Card will be mailed in a white envelope displaying the American Express® Blue Box logo with a return address of Omaha, NE.

Once you receive your Card, activate online at www.americanexpress.com/activate and enroll to manage your account. Online account management from American Express is a fast, easy and secure way to monitor and manage your spending.
Congrats!!! What is on your CR & what card did you applied for?

Re: Pre-Approved for Zync

Anonymous — Wed, 08 Dec 2010 15:14:46 GMT

@Anonymous wrote:
@masseye wrote:
I can't believe it......!!!

I just got approved for my very 1st Amex card.....I am 42yrs old and I did it!!! (my house is a year away).....its coming....thank you my fico!!!!

Congrats!!! What is on your CR & what card did you applied for?

Congrats.....

I will assume he applied for ZYNC since thats the topic. LOL

Re: Pre-Approved for Zync

Anonymous — Wed, 08 Dec 2010 17:50:51 GMT

so if i entered my information and nothing come up, mean i am not pre approve and should not apply right? thanks

Re: Pre-Approved for Zync

Creditaddict — Wed, 08 Dec 2010 17:52:47 GMT

@Anonymous wrote:
so if i entered my information and nothing come up, mean i am not pre approve and should not apply right? thanks

Actually I have seen many people say they had no pre-approval and cold applied for Zync and got instantly approved.

Re: Pre-Approved for Zync

Anonymous — Wed, 08 Dec 2010 17:56:02 GMT

@Anonymous wrote:
so if i entered my information and nothing come up, mean i am not pre approve and should not apply right? thanks

No that's not the case, I was approved ( 690 TU) despite not having any pre-approvals while others were approved for even the green and gold. It all depends on your CR. AMEX will do their little in-house thing when your application is submitted.

Re: Pre-Approved for Zync

halos24 — Wed, 08 Dec 2010 17:58:02 GMT

Just adding to what creditaddict stated. I looked yesterday and it said Sorry you are not pre-approved and I still applied and got APPROVED!! It is a matter if you are ok with wasting that inquiry should you get declined I think. This is not necessarily a pre-approval link, simply to see if they have any offers they have sent you. Like I said I took my chances and got it. Good luck!