topic Re: Want to app for Amex Zync but... in Credit Cards

Want to app for Amex Zync but...

Anonymous — Sat, 07 Jan 2012 03:34:55 GMT

Ok, I want to app for a Zync card, I know Amex usually pulls Experian, and I have a 700 score, which I think should be good enough for the Zync but due to buying a new car this year, and the dealers finance guy applying for a loan to I think every bank known to man, I have a large number of Inquires, 24 to be exact.

I have never made a late payment, or have anything bad coming up on my credit report.

Should I app for the Zync card? I really do want it, but I don't want to waste an Inquire at this point because there are already so many on there

Thanks,

Jim

Re: Want to app for Amex Zync but...

jamesdwi — Sat, 07 Jan 2012 03:44:24 GMT

@Anonymous wrote:
Ok, I want to app for a Zync card, I know Amex usually pulls Experian, and I have a 700 score, which I think should be good enough for the Zync but due to buying a new car this year, and the dealers finance guy applying for a loan to I think every bank known to man, I have a large number of Inquires, 24 to be exact.

I have never made a late payment, or have anything bad coming up on my credit report.

Should I app for the Zync card? I really do want it, but I don't want to waste an Inquire at this point because there are already so many on there

Thanks,

Jim

Go to the link below see if you are pre-approved for, They will only do a soft pull, and see if you do apply and have to do a recon, talk to a human and explain about the car dealer doing all the pulls.

If you have at least a year of open accounts and your 700, you should easily get the zync, I got blue and had a pre-approved for Green and Zync as well. I had 6 Inq and a 710 at the time. And they gave me the best interest rate,

longest credit account was 2 years 9 months, and average age of cards 1 year 2 months. and a car loan. No lates, a 6 year old judgement and 3 year old medical collections.

https://www304.americanexpress.com/credit-card?inav=footer_cards_personal#!view-your-special-offers

Re: Want to app for Amex Zync but...

2NE1 — Sat, 07 Jan 2012 03:49:33 GMT

@jamesdwi wrote:

Go to the link below see if you are pre-approved for, They will only do a soft pull, and see if you do apply and have to do a recon, talk to a human and explain about the car dealer doing all the pulls.
If you have at least a year of open accounts and your 700, you should easily get the zync, I got blue and had a pre-approved for Green and Zync as well. I had 6 Inq and a 710 at the time. And they gave me the best interest rate,
longest credit account was 2 years 9 months, and average age of cards 1 year 2 months. and a car loan. No lates, a 6 year old judgement and 3 year old medical collections.
https://www304.americanexpress.com/credit-card?inav=footer_cards_personal#!view-your-special-offers

really??? niiice! I thought they didn't accept applicants that have collections on their CR.

Re: Want to app for Amex Zync but...

laboi_22 — Sat, 07 Jan 2012 03:50:12 GMT

Not sure how AMEX feels about inquiries. I got approved with several inquiries however I had to recon with the Executive office. I was originally declined with a score of 709 on EX. AMEX is a strange beast but I love their products.

Re: Want to app for Amex Zync but...

Anonymous — Sat, 07 Jan 2012 03:58:39 GMT

Ok guys thanks! Does any one still have the phone number to recon at the executive office? I really want to go into a gardening stage, but my wallet feels empty without an AMEX

Going to pre-approval site now, will post back when done

Re: Want to app for Amex Zync but...

Anonymous — Sat, 07 Jan 2012 04:04:45 GMT

"Sorry we are unable to find any existing offers for you at this time" So what should I do? App anyway, or wait?

Re: Want to app for Amex Zync but...

jamesdwi — Sat, 07 Jan 2012 04:07:10 GMT

sure, might as well, since the inq will go quite nicely with the other 24... and call for a recon, if they denied or give you the 7-10 notice

Re: Want to app for Amex Zync but...

Anonymous — Sat, 07 Jan 2012 04:07:56 GMT

Are you opted out?

Re: Want to app for Amex Zync but...

Anonymous — Sat, 07 Jan 2012 04:11:32 GMT

Can anyone give a good tutorial on how to recon? I have tried reconning 2 times before with no success and I feel like I always do it wrong.

Re: Want to app for Amex Zync but...

getahead — Sat, 07 Jan 2012 04:25:11 GMT

does anyone have the exec office for amex recon, I recently app & got denied but they did offer the $500 w/autopay. When I checked this morning on the status, it said declined. I called the cust serv # & I swear it sounded like a Peggy & he had no clue on what I was talking about, the $500 w/autopay. He kept saying wait form my letter, so I'm thinking if I call the Exec office to recon maybe I'll have success. I read here that amex screws up on the banking #'s, I think maybe thats my case.

Re: Want to app for Amex Zync but...

2NE1 — Sat, 07 Jan 2012 04:51:23 GMT

@Anonymous wrote:
Can anyone give a good tutorial on how to recon? I have tried reconning 2 times before with no success and I feel like I always do it wrong.

THIS. yeah I need a tutorial as well.

Re: Want to app for Amex Zync but...

Revelate — Sat, 07 Jan 2012 04:58:11 GMT

From a scoring perspective all those inquiries roll up into one assuming they were all done by the dealer finance department on the same day. Really all within a two week period definitely do on the older FICO models, the '08 may even be longer. You won't be denied from any reasonable lender for that alone, though Amex is a strange beast as others pointed out, on a number of levels.

That does seem awfully high for inquiries from a single dealer, though I've yet to review my Experian report since I bought a car (and being in CA it's a good bet any single pull was an EX one).

Re: Want to app for Amex Zync but...

RyVision — Sat, 07 Jan 2012 04:57:36 GMT

@getahead wrote:
does anyone have the exec office for amex recon, I recently app & got denied but they did offer the $500 w/autopay. When I checked this morning on the status, it said declined. I called the cust serv # & I swear it sounded like a Peggy & he had no clue on what I was talking about, the $500 w/autopay. He kept saying wait form my letter, so I'm thinking if I call the Exec office to recon maybe I'll have success. I read here that amex screws up on the banking #'s, I think maybe thats my case.

I don't have that number but I had nearly the exact same thing happen to me when I first applied for the ZYNC. I called, twice (number on the denial page and one I looked up) nothing, it was done (sigh). Waited 5 months and instant nano-second approval NPSL. So no 200 or 500 stuff to deal with. And actually, I haven't hit 500 on it since I got it in Sept.

jo75olds; if you apply and are denied, you might be able to call and explain the inq's are due to a car loan (if they're close together time wise). Otherwise, another inq might not matter too much if the "recently" is a few months ago. They start to count against you less after 6 months anyway, and very little after a year.

Re: Want to app for Amex Zync but...

Anonymous — Sat, 07 Jan 2012 05:09:07 GMT

Just applied and got the message with $200 witout checking link / $500 with... So I added my checking account but the next page makes it sound like they can still deny the application?!?!?!

Any one got denied after they put there bank account info into it?

Re: Want to app for Amex Zync but...

RyVision — Sat, 07 Jan 2012 05:24:13 GMT

@Anonymous wrote:
Just applied and got the message with $200 witout checking link / $500 with... So I added my checking account but the next page makes it sound like they can still deny the application?!?!?!

Any one got denied after they put there bank account info into it?

Not that I've heard of other than when there's an error in their system (banking info or something). I hope you were using IE and not FireFox when you app'd and got that (sometimes FireFox causes problems I hear, IIRC).

You should also get an email that gives you a link, plus an email with their decision.

Re: Want to app for Amex Zync but...

Anonymous — Sat, 07 Jan 2012 05:27:37 GMT

Ok great, yeah I use IE9, not a big fan of firefox

Re: Want to app for Amex Zync but...

-Cain- — Sat, 07 Jan 2012 05:38:32 GMT

AmEx Executive Services: 800-297-6197

Good Luck!

Re: Want to app for Amex Zync but...

LS2982 — Sat, 07 Jan 2012 11:59:56 GMT

@Anonymous wrote:
Ok, I want to app for a Zync card, I know Amex usually pulls Experian, and I have a 700 score, which I think should be good enough for the Zync but due to buying a new car this year, and the dealers finance guy applying for a loan to I think every bank known to man, I have a large number of Inquires, 24 to be exact.

I have never made a late payment, or have anything bad coming up on my credit report.

Should I app for the Zync card? I really do want it, but I don't want to waste an Inquire at this point because there are already so many on there

Thanks,

Jim

Are all of your INQ's auto related??

Any recent credit INQ's?

If any credit INQ's are 6+ months old I'd apply and if it declines for INQ's recon it.

Re: Want to app for Amex Zync but...

Anonymous — Sun, 08 Jan 2012 09:40:41 GMT

Denied!!!!! I will have to call them on Monday

Re: Want to app for Amex Zync but...

LS2982 — Sun, 08 Jan 2012 17:01:33 GMT

@Anonymous wrote:
Denied!!!!! I will have to call them on Monday

I would recon monday, more than likely the computer denied for excessive INQ's.