topic Re: Just approved Zync, I want Gold Delta when can I apply? in Credit Cards

Just approved Zync, want Delta when can I app?

doublespaces — Tue, 06 Dec 2011 21:35:09 GMT

Was declined Zync due to experian score being supposedly too low. 667 when my classic exp fico is around 730. I reconned, sent in my 757 TU fico from myfico.com and they approved. I want the gold delta card. would I be pushing my luck if I just got approved today? Original app was December 1st.

Re: Just approved Zync, I want Gold Delta when can I apply?

Anonymous — Tue, 06 Dec 2011 21:34:51 GMT

I would wait 6 months or so.... you will propably be denied again and will have to go though the reconn again. after history with them the approvals should be smoother

Re: Just approved Zync, I want Gold Delta when can I apply?

doublespaces — Tue, 06 Dec 2011 21:36:18 GMT

True, but I don't think it would hurt me to try. If I apply, do I do the already have a card with amex application rather than the new application?

Re: Just approved Zync, I want Gold Delta when can I apply?

CreditMuppet — Tue, 06 Dec 2011 21:41:23 GMT

@doublespaces wrote:
True, but I don't think it would hurt me to try. If I apply, do I do the already have a card with amex application rather than the new application?

Of course you can try but at best its going to be another hard inquiry and at worst the system will cancel your app due to the fact that your last decison was a denial.

Re: Just approved Zync, I want Gold Delta when can I apply?

doublespaces — Tue, 06 Dec 2011 22:14:37 GMT

@CreditMuppet wrote:
@doublespaces wrote:
True, but I don't think it would hurt me to try. If I apply, do I do the already have a card with amex application rather than the new application?
Of course you can try but at best its going to be another hard inquiry and at worst the system will cancel your app due to the fact that your last decison was a denial.

Well I don't plan on applying for any other credit cards in the near future that pull experian so I don't mind the inquiry. But the computer system won't recognize it was manually updated to approved through recon?

Re: Just approved Zync, I want Gold Delta when can I apply?

tntexans72 — Tue, 06 Dec 2011 22:21:04 GMT

Call in and app with a CSR....that way, you can explain everything to them and recon on the spot.

Re: Just approved Zync, I want Gold Delta when can I apply?

CreditMuppet — Tue, 06 Dec 2011 22:31:51 GMT

@doublespaces wrote:
@CreditMuppet wrote:
@doublespaces wrote:
True, but I don't think it would hurt me to try. If I apply, do I do the already have a card with amex application rather than the new application?
Of course you can try but at best its going to be another hard inquiry and at worst the system will cancel your app due to the fact that your last decison was a denial.

Well I don't plan on applying for any other credit cards in the near future that pull experian so I don't mind the inquiry. But the computer system won't recognize it was manually updated to approved through recon?

I`m sure the system is still aware that that the automated decision was a denial, I do not think it makes a difference that a credit analyst manually reviewed your application and decided to give you an approval. Another app (especially for a credit product) will use the exact same algoryms but likely with much higher requirements so you should expect to have to recon again. I`d probably wait 6 months.

Re: Just approved Zync, I want Gold Delta when can I apply?

doublespaces — Tue, 06 Dec 2011 22:49:09 GMT

You guys have been great. I'm applying anyway, but this time I don't feel bad if I'm denied Will update about my denial later after I call

They say, there is nothing more dangerous than a man who already knows he's dead right? haha

Re: Just approved Zync, I want Gold Delta when can I apply?

mxp114 — Tue, 06 Dec 2011 22:52:54 GMT

I can't wait for the American Express/Delta exclusivity deal to end soon, that way Delta can also partner with a MasterCard or Visa issuer for a Delta SkyMiles World MasterCard or Visa Signature.

Re: Just approved Zync, I want Gold Delta when can I apply?

doublespaces — Wed, 07 Dec 2011 07:46:48 GMT

I think im going to wait for my card to come then create an account then apply... Havent decided yet.

Re: Just approved Zync, I want Gold Delta when can I apply?

sandsanta — Wed, 07 Dec 2011 07:54:14 GMT

Do you actually need the card? If not you should wait.

Re: Just approved Zync, I want Gold Delta when can I apply?

doublespaces — Wed, 07 Dec 2011 07:56:27 GMT

I have been buying tickets more frequently than I had previously thought so I keep wishing I had a card.plus, I dont have a credit card with real rewards. Just a mileage plus debit card from chase that is being discontinued I think.

Re: Just approved Zync, want Delta when can I app?

bichonmom — Wed, 07 Dec 2011 11:10:35 GMT

@doublespaces wrote:
Was declined Zync due to experian score being supposedly too low. 667 when my classic exp fico is around 730. I reconned, sent in my 757 TU fico from myfico.com and they approved. I want the gold delta card. would I be pushing my luck if I just got approved today? Original app was December 1st.

Does this mean your EX FICO went from 667 to 730, or are you talking about a FAKO vs FICO? Just curious how you got your FICO to improve so much in a short enought period of time for you to recon.

From what I've read here, if you have an Amex acct and app for another CC and you are approved, then it is a HP. But... if you are NOT approved, it is only a SP. Since you already have an acct., they do a SP, and then convert it to HP if/when you are approved. So, it wouldn't hurt you to app, as you would only have the inq if you're approved.

That said, if you were barely approved for the Zync, which is supposed to be one of the easier Amex to get, then your chances of being approved for the other card is probably slim. You may want to wait 6 mos. and build the history w/them before apping for a new CC.

Re: Just approved Zync, want Delta when can I app?

doublespaces — Wed, 07 Dec 2011 15:35:35 GMT

@bichonmom wrote:
@doublespaces wrote:
Was declined Zync due to experian score being supposedly too low. 667 when my classic exp fico is around 730. I reconned, sent in my 757 TU fico from myfico.com and they approved. I want the gold delta card. would I be pushing my luck if I just got approved today? Original app was December 1st.
Does this mean your EX FICO went from 667 to 730, or are you talking about a FAKO vs FICO? Just curious how you got your FICO to improve so much in a short enought period of time for you to recon.

From what I've read here, if you have an Amex acct and app for another CC and you are approved, then it is a HP. But... if you are NOT approved, it is only a SP. Since you already have an acct., they do a SP, and then convert it to HP if/when you are approved. So, it wouldn't hurt you to app, as you would only have the inq if you're approved.

That said, if you were barely approved for the Zync, which is supposed to be one of the easier Amex to get, then your chances of being approved for the other card is probably slim. You may want to wait 6 mos. and build the history w/them before apping for a new CC.

Im saying my exp clasic fico is around 730 ish. But amex had 667 from whatever scoring enhanced score they used to derive my fico. Its not a standard fico in my case.

Re: Just approved Zync, I want Gold Delta when can I apply?

Anonymous — Wed, 07 Dec 2011 15:39:38 GMT

@doublespaces wrote:
I have been buying tickets more frequently than I had previously thought so I keep wishing I had a card.plus, I dont have a credit card with real rewards. Just a mileage plus debit card from chase that is being discontinued I think.

Yep all debit rewards cards from chase have been disc, why not try a PC from Zync to Gold Delta?

Re: Just approved Zync, I want Gold Delta when can I apply?

doublespaces — Wed, 07 Dec 2011 15:41:27 GMT

Because I cant PC from zybc to any other card since its a starter card .ot on tbe same level as the others supposedly and even jf it was a green or higher I cant PC to credit from.charge.

Re: Just approved Zync, I want Gold Delta when can I apply?

Anonymous — Wed, 07 Dec 2011 15:50:25 GMT

@doublespaces wrote:
Because I cant PC from zybc to any other card since its a starter card .ot on tbe same level as the others supposedly and even jf it was a green or higher I cant PC to credit from.charge.

gotcha

Re: Just approved Zync, I want Gold Delta when can I apply?

doublespaces — Wed, 07 Dec 2011 17:04:36 GMT

Just called to apply. Couldn't approve over the phone told to check the site. Site said to call and verify billing address as I used my new house address which isn't on file or credit reports. Called in lady said, "Thanks I see you've been with us for quite some time now..." LOL, one day?

Re: Just approved Zync, I want Gold Delta when can I apply?

doublespaces — Wed, 07 Dec 2011 17:05:36 GMT

Card was approved! LOL no recon. 1000 CL.

Re: Just approved Zync, I want Gold Delta when can I apply?

Anonymous — Wed, 07 Dec 2011 17:06:48 GMT

@doublespaces wrote:
Card was approved! LOL no recon. 1000 CL.

Congrats