topic Re: Zync approval!!!! in Credit Cards

Zync approval!!!!

Anonymous — Thu, 17 Mar 2011 01:45:12 GMT

Ok so here is what happened, I app'ed for the Zync and was approved! I am excited. No more apping until I am 21 atleast. I have two citi cards and now the Zync. I am excited. No more spontanious app'ing. (Atleast I don't spontaniously spend.)

I am an Amex member!

Re: Zync approval!!!!

Tons_of_Debt — Thu, 17 Mar 2011 01:46:21 GMT

Congrats! CL?

Re: Zync approval!!!!

Anonymous — Thu, 17 Mar 2011 01:50:13 GMT

For the two Citi cards it is $800 each and no idea for the Zync. I wasn't offered the option to create an online account while apping.

Re: Zync approval!!!!

Anonymous — Thu, 17 Mar 2011 01:55:24 GMT

Zync is a charge card, there is no preset set limit

Re: Zync approval!!!!

Anonymous — Thu, 17 Mar 2011 01:58:20 GMT

Yeah but they have their internal spending limits. Too bad I can't see if the current limit is $250 like others until it is activated.

I don't plan on spending too much on this. Maybe gas each month. I like the charge card idea over credit cards. Help keep me honest. (Although I am excellent about saving money and not spending more than I can afford too.)

Re: Zync approval!!g

Anonymous — Thu, 17 Mar 2011 02:00:44 GMT

Congrats man really sweet

Re: Zync approval!!g

Red1Blue — Thu, 17 Mar 2011 02:30:36 GMT

Congrats on your approval.

Re: Zync approval!!g

Anonymous — Thu, 17 Mar 2011 03:02:21 GMT

Thanks all. It was an instant approval as well which makes me happy.

Re: Zync approval!!!!

vish1 — Thu, 17 Mar 2011 03:11:22 GMT

Congrats. Its a nice card and getting into Amex family at this age is a really great thing. Now you got your membership date written in stone. If you add another amex card (or a few) some years later, it will show as opened in 2011 and will help your AAoA

Re: Zync approval!!!!

fused — Thu, 17 Mar 2011 03:43:41 GMT

@kilpela wrote:
Ok so here is what happened, I app'ed for the Zync and was approved! I am excited. No more apping until I am 21 atleast. I have two citi cards and now the Zync. I am excited. No more spontanious app'ing. (Atleast I don't spontaniously spend.)

I am an Amex member!

Congrats! You have good cards, and your plan not to app for some time is very wise.

Re: Zync approval!!!!

Anonymous — Thu, 17 Mar 2011 12:42:15 GMT

Thanks. I am pretty excited about the white amex card. 2011 all the way. It will be nice in the furture to have the backdating.

I am currently only 19 so I am surprise Amex approved me and Citi approved me twice. Better to start building credit now while in school than to not have it at all when I get out.

Re: Zync approval!!!!

vish1 — Thu, 17 Mar 2011 16:44:30 GMT

@kilpela wrote:
Thanks. I am pretty excited about the white amex card. 2011 all the way. It will be nice in the furture to have the backdating.

I am currently only 19 so I am surprise Amex approved me and Citi approved me twice. Better to start building credit now while in school than to not have it at all when I get out.

Do you have other cards in your mind that you want to have in your portfolio? If you do and they are not too tough to get, now may be the time to get them so that when you come out of school, you have a strong AAoA and nearly no inq history. Even if you end up in a wasted inq or something, it wont really hurt you much as by the time you are out of school it will fall off.

Re: Zync approval!!!!

Anonymous — Thu, 17 Mar 2011 19:20:34 GMT

@vish1 wrote:

@kilpela wrote:
Thanks. I am pretty excited about the white amex card. 2011 all the way. It will be nice in the furture to have the backdating.

I am currently only 19 so I am surprise Amex approved me and Citi approved me twice. Better to start building credit now while in school than to not have it at all when I get out.
Do you have other cards in your mind that you want to have in your portfolio? If you do and they are not too tough to get, now may be the time to get them so that when you come out of school, you have a strong AAoA and nearly no inq history. Even if you end up in a wasted inq or something, it wont really hurt you much as by the time you are out of school it will fall off.

I do not have an other cards in mind. I have the Citi Forward and the Citi dividend Platinum Select Visa and of course the zync. Do you have other recommendations for a no fee, grow with me card.

Re: Zync approval!!!!

vish1 — Thu, 17 Mar 2011 21:05:05 GMT

Chase freedom might be a good one if you get it. Nice 5% on revolving categories. No AF

If you are not looking to app something for a few months, you can take an inq, it wont hurt u for any practical reasons.

Re: Zync approval!!!!

Anonymous — Thu, 17 Mar 2011 22:05:15 GMT

@vish1 wrote:
Chase freedom might be a good one if you get it. Nice 5% on revolving categories. No AF

If you are not looking to app something for a few months, you can take an inq, it wont hurt u for any practical reasons.

I'll consider it. Not sure yet.

Re: Zync approval!!!!

fused — Thu, 17 Mar 2011 23:10:56 GMT

@kilpela wrote:

@vish1 wrote:
Chase freedom might be a good one if you get it. Nice 5% on revolving categories. No AF

If you are not looking to app something for a few months, you can take an inq, it wont hurt u for any practical reasons.
I'll consider it. Not sure yet.

Changing your mind????

Re: Zync approval!!!!

Anonymous — Thu, 17 Mar 2011 23:24:10 GMT

@fused wrote:

@kilpela wrote:

@vish1 wrote:
Chase freedom might be a good one if you get it. Nice 5% on revolving categories. No AF

If you are not looking to app something for a few months, you can take an inq, it wont hurt u for any practical reasons.
I'll consider it. Not sure yet.

Changing your mind????

I don't think so maybe after a few months or so. I am ok for now anyways.

Re: Zync approval!!!!

chan85 — Sat, 19 Mar 2011 14:58:52 GMT

@kilpela wrote:
Ok so here is what happened, I app'ed for the Zync and was approved! I am excited. No more apping until I am 21 atleast. I have two citi cards and now the Zync. I am excited. No more spontanious app'ing. (Atleast I don't spontaniously spend.)

I am an Amex member!

Congrats! I got approved for mine too last week. I was worried about the preset 250 limit too. I called and they just kept saying no its a charge card. I got my card this week and set it up online and no preset limit so I was able to put my tuition on it with no problem!

Re: Zync approval!!!!

Anonymous — Sat, 19 Mar 2011 16:22:32 GMT

Thanks for your experience. I wasn't too worried about the limit as I don't think I will average more than 250 each month. And thats if I run everything through this.

I wanted into the Amex family for the most part. The backdating will help in the future.

Re: Zync approval!!!!

Anonymous — Tue, 22 Mar 2011 23:27:41 GMT

It came in the mail today. I am pleased!