topic Re: Approved for AMEX Zync! in Credit Cards

Approved for AMEX Zync!

Anonymous — Wed, 26 Oct 2011 04:36:55 GMT

I got approved for the American Express Zync Card! I'm 18 and only have 7 months history, with a Cap1 Card with only a $500 limit as my only other card. I applied for the card back in August and they declinded me because they wanted at least 6 months of credit history. So, I waited & got approved!! I always PIF on my Cap1 and have a 9% utilization! I'm so excited to get this card!!

Re: Approved for AMEX Zync!

FinanceGuy007 — Wed, 26 Oct 2011 04:43:38 GMT

Congrats!!! Keep up the good credit habits.

Re: Approved for AMEX Zync!

Anonymous — Wed, 26 Oct 2011 04:55:34 GMT

@Anonymous wrote:
I got approved for the American Express Zync Card! I'm 18 and only have 7 months history, with a Cap1 Card with only a $500 limit as my only other card. I applied for the card back in August and they declinded me because they wanted at least 6 months of credit history. So, I waited & got approved!! I always PIF on my Cap1 and have a 9% utilization! I'm so excited to get this card!!

Congrats! I was in almost the exact situation, except I'm 20. Started off with Cap1 and I've had it for about 7 or 8 months now, just got the Zync and a Citi card a couple weeks ago!

Now if Chase would just ease up on their "1 year of history" minimum!

Re: Approved for AMEX Zync!

Anonymous — Wed, 26 Oct 2011 05:02:51 GMT

I hear you on Chase! Which Citi Card did you get? I'm thinking of applying for the Forward soon.

Re: Approved for AMEX Zync!

Anonymous — Wed, 26 Oct 2011 05:09:26 GMT

@Anonymous wrote:
I hear you on Chase! Which Citi Card did you get? I'm thinking of applying for the Forward soon.

It sucks. I called the backdoor for a recon after I was denied for the Freedom, and the rep wouldn't budge. She was extremely polite, and essentially said if I had a card with a year of history I would have been approved...Chase is apparently very strict about that. One year minimum, two years preferred. I'm probably going to app again in exactly a year from when my Cap1 was opened

And I got the Citi Dividend Platinum Select Visa for college students. Approved with a $4,000 CL, my jaw literally hit the floor. Loving Citi, for sure!!

Re: Approved for AMEX Zync!

Anonymous — Wed, 26 Oct 2011 05:15:50 GMT

Sweet score man. I was near the same boat as you. My only card was this BoA visa i had with a crappy 700 limit. Apped for the Zync and Chase Freedom both instant approved. Just apped for the Amex BCE and approved. Glad i pulled the trigger on the Zync first to get my foot in with Amex. When Amex pulled my score, i got 722 on Experian, not too bad considering i have about 2 years worth of history.

Re: Approved for AMEX Zync!

Anonymous — Wed, 26 Oct 2011 16:29:00 GMT

Awesome! Sounds like you've got a nice portfolio of cards built up!!

Re: Approved for AMEX Zync!

birjest — Wed, 26 Oct 2011 16:35:35 GMT

I am a parent who just received the Zync, and I have a son who is 19 in college. I am going to have him go down the road similar to yours, to have a Zync card....just like his old man!!!

Re: Approved for AMEX Zync!

Anonymous — Wed, 26 Oct 2011 16:47:32 GMT

Sounds like a good idea!

Re: Approved for AMEX Zync!

CS800 — Wed, 26 Oct 2011 18:39:48 GMT

Congrats !!!!

Goes to tell you that no one really knows what makes AMEX tick.

Enjoy !!

Re: Approved for AMEX Zync!

Anonymous — Wed, 26 Oct 2011 18:43:12 GMT

I have been on same route as you're. Getting Zync with 7 months history on a small limit card. BUT I think there's actually better route than this as someone here posted about 1-2months ago that he got Blue cash everyday when having only 10 months history on one card and his AAOA is also 10 months as he applied for credit only once. Maybe just wait a little longer and get much better card.

I have nice portfolio of cards right now but LOADS of inquiries on EX report kill my chance on another amex for at least 6 months from now.

Re: Approved for AMEX Zync!

Anonymous — Wed, 26 Oct 2011 23:11:07 GMT

I bunched up all of my courage and applied for the Citi Forward. I wasas told that they needed to confirm info & did so on a live chat on the website, and I was approved for $1,200. Not too bad for someone with a $14,000 annual income! I applied for Discover More Student & have to wait 5-7 days to hear back.. guess we'll see about that one!

Re: Approved for AMEX Zync!

CS800 — Wed, 26 Oct 2011 23:29:49 GMT

@Anonymous wrote:
I bunched up all of my courage and applied for the Citi Forward. I wasas told that they needed to confirm info & did so on a live chat on the website, and I was approved for $1,200. Not too bad for someone with a $14,000 annual income! I applied for Discover More Student & have to wait 5-7 days to hear back.. guess we'll see about that one!

Is the Citi Forward more for students?

What's your credit profile like?

Re: Approved for AMEX Zync!

Anonymous — Wed, 26 Oct 2011 23:39:57 GMT

It is designed for students, however, I have heard of people who are not students that got it. I don't really know my scores yet, I guess I'll get them when I get my cards in the mail! I did do the FICO Score Simulator and it said that my scores are inbetween 695-745... But I take that info with a grain of salt!

Re: Approved for AMEX Zync!

Anonymous — Wed, 26 Oct 2011 23:48:04 GMT

My 19 year old has Zync, Citi Forward, Discover More, Cap1 Journey and VS.

CS800:

There are 2 versions for the Citi Forward (student and regular). They a different, but just a tad.

My daughter has the student, and I have the standard.

The student version has all of the same benefits, but a lower CL. We both get 5x points for entertainment, dining, movies, books,Amazon.com

The sign up bonus is also different. On the non-student version, you get 10,000 bonus points after $650 spend in 3 months and sign up for paperless statements. The student version does not have this bonus. Student version only gets 1000 bonus points for signing up for paperless statements. Both cards qualify for up to 2% APR reduction for paying on time, subject to Citi's terms, and both have complimentary cell phone protection, less deductible and subject to maximum $250 credit. Hope this helps.

One of the best reward cards for a college student, or for a non-student who does a lot of spending on dining or Amazon.com.

I dine out all the time....BUT one thing I am not liking is the THANK YOU REWARD site. I prefer Chase, Amex and Discover in that sense.

Re: Approved for AMEX Zync!

CS800 — Wed, 26 Oct 2011 23:50:14 GMT

Do you know what bureau they pull?

Re: Approved for AMEX Zync!

Anonymous — Thu, 27 Oct 2011 04:43:20 GMT

@CS800 wrote:
Do you know what bureau they pull?

Yes. Citi pulled EX. I am in NY.

Re: Approved for AMEX Zync!

birjest — Thu, 27 Oct 2011 08:43:48 GMT

Agree..I am military and they pulled Experian. I called back asking for the score, and the rep explained to me that they use their own factors which include many variables. I asked if the card was sent off(after the previous reps said they would expedite it), she said it was being approved and that they don't expedite to FPO addresses. Then, an hour later, I received and email stating that, I was indeed approved and that my card is being expedited. CHA-CHING!!!

Re: Approved for AMEX Zync!

CS800 — Thu, 27 Oct 2011 12:48:22 GMT

@birjest wrote:
Agree..I am military and they pulled Experian. I called back asking for the score, and the rep explained to me that they use their own factors which include many variables. I asked if the card was sent off(after the previous reps said they would expedite it), she said it was being approved and that they don't expedite to FPO addresses. Then, an hour later, I received and email stating that, I was indeed approved and that my card is being expedited. CHA-CHING!!!

You got approved for a Citi Card right? Which one did you get?

Your EX FICO must be good.

Re: Approved for AMEX Zync!

birjest — Thu, 27 Oct 2011 14:32:18 GMT

I applied for AMEX Zync. I also appied for the Citi® Platinum Select® MasterCard yesterday. I read that it is a good card to have and not too difficult. Heck, if I get Citi, cool. If not, I am good with my AMEX Zync, Cap1 2k limit (use for monthly vonage and netflixx bills 2 PIF) and I have my USAA/NFCU debit cards. I'm cool....