topic Re: Question on AMEX Zync in Credit Cards

Question on AMEX Zync

Mandazoid — Thu, 08 Sep 2011 01:04:32 GMT

I applied last week for an AMEX Zync and was approved with a $500 CL if I enrolled in auto-pay (which I did). I received the card in the mail today along with all of my paperwork, but I don't see a credit score of any kind listed on any of the paperwork. I've heard that AMEX pulls EX, so I was really curious to see what my actual EX score was.

What gives?

Re: Question on AMEX Zync

flyingmd — Thu, 08 Sep 2011 01:14:24 GMT

Generally they only give you the score when they deny you. They have to put it in the denial letter. I geuss you can call them and see if the CSR can pull it up with your record but make sure they dont do another pull thinnking thats what you want.

Re: Question on AMEX Zync

Guava — Thu, 08 Sep 2011 01:14:40 GMT

The new act only requires card companies to provide score if you're denied. If you're approved, they may give it to you or they may not, it varies.

Re: Question on AMEX Zync

Mandazoid — Thu, 08 Sep 2011 01:16:40 GMT

Really? I thought that CCCs also had to give you your credit score if you were approved, but did not receive the optimum benefits (lower CL, higher APR, etc.).

Re: Question on AMEX Zync

Anonymous — Thu, 08 Sep 2011 01:49:54 GMT

This is more applicable to credit cards where interest rates are factored. In the case of a charge card I don't believe a temporary limit (it will most likely be removed after a few months of good payment history) is considered the same way... since otherwise your terms and fees are the same as everyone's. That said, I'm sure they will give it to you if you call.

Re: Question on AMEX Zync

Guava — Thu, 08 Sep 2011 01:52:56 GMT

@Mandazoid wrote:
Really? I thought that CCCs also had to give you your credit score if you were approved, but did not receive the optimum benefits (lower CL, higher APR, etc.).

If you don't get the most favorable term, they are required to tell you about the negative items on your report, not necessarily the score. Please correct me if I'm wrong.

Re: Question on AMEX Zync

Mandazoid — Thu, 08 Sep 2011 02:09:05 GMT

Hmm...interesting. Thanks, csol! I'll have to give them a call and see if they'll tell me.

That may be the case, silver. I'm not sure!

Re: Question on AMEX Zync

SevenNEW — Thu, 08 Sep 2011 02:24:34 GMT

I also received no score with my BCP...

Re: Question on AMEX Zync

Anonymous — Thu, 08 Sep 2011 02:42:37 GMT

I got approved for the BCE, and 2 days before I got the card, I got a letter that gave my FICO score in it. It stated I had a 748... but I also got the highest APR so I guess that's why they included the score.

Re: Question on AMEX Zync

Anonymous — Thu, 08 Sep 2011 02:47:23 GMT

My AMEX Clear letter gave me my EX and my apr is 19.94%. I don't know what the APR range is though.

Re: Question on AMEX Zync

in0wh3r3ul1v3 — Thu, 08 Sep 2011 05:21:19 GMT

Got my Zync last week and it didn't include my score either.

Meant to start a thread like this but never got around to it.

Re: Question on AMEX Zync

Anonymous — Thu, 08 Sep 2011 13:00:59 GMT

I received my Experian score upon approval for the Blue Cash Everyday. Did you receive the 'Congrats! You were approved. Your card will be mailed to you blahblahblah' letter? My score info was on the back of that letter, so you might want to double check.

Re: Question on AMEX Zync

Mandazoid — Thu, 08 Sep 2011 13:04:06 GMT

Nope, I didn't receive anything like that. I applied for both the Capital One No Hassle Cash Rewards card and AMEX Zync on the same night, within 20 minutes of each other.

Yesterday, I received information on both of them for the first time. I got the "Congrats! Your card is in the mail..." letter from Capital One with my TU score on it and I got my actual AMEX Zync card with all the terms and conditions, etc., but no score anywhere.

Very weird.

Re: Question on AMEX Zync

SevenNEW — Fri, 09 Sep 2011 00:26:11 GMT

Never got that letter either -- just an email and then the card in the mail in a week. Did you apply via phone or online?

Re: Question on AMEX Zync

in0wh3r3ul1v3 — Fri, 09 Sep 2011 02:12:14 GMT

i app'd online, got a promo mailer for zync, and then got my actual card.