topic Re: Zync card in Credit Cards

Zync card

afbar1114 — Mon, 09 Jan 2012 22:57:05 GMT

has anyone gotten approved for the zync card. i want an amex card but i got denined by discover but got approved for a jared card around christmas. i do have alot of inq but my equifax score is 680. would i get this. anyone have luck with gettin approved wit alot of inq

Re: Zync card

Juan123 — Mon, 09 Jan 2012 22:58:58 GMT

i think amex is picky about everything... inquiries would be one... why a zync card? you're looking for a charge card?

Re: Zync card

CS800 — Mon, 09 Jan 2012 23:00:43 GMT

Welcome to the forums.

If you do a search around, you will see a lot of approvals for the zync. As in any credit situation your mileage may vary.

Where did you get your equifax score?

Re: Zync card

pizzadude — Mon, 09 Jan 2012 23:01:11 GMT

Can you share some more information about your credit profile ? How many open CCs do you have, and how old are they ?

Do you have any derogatory information showing on your credit reports, specifically Experian ? AMEX almost always pulls EX exclusively for charge card approvals.

Re: Zync card

afbar1114 — Mon, 09 Jan 2012 23:02:01 GMT

just looking into getting into amex family. i got approved for a jared card around 3000, and the rewardzone master card keeps telling me i cant have a cl on the card mean while every other card i am getting has gotten CLI of 200 to 700. dont understand

Re: Zync card

afbar1114 — Mon, 09 Jan 2012 23:03:50 GMT

from myfico.

Re: Zync card

jamesdwi — Mon, 09 Jan 2012 23:04:26 GMT

@afbar1114 wrote:
has anyone gotten approved for the zync card. i want an amex card but i got denined by discover but got approved for a jared card around christmas. i do have alot of inq but my equifax score is 680. would i get this. anyone have luck with gettin approved wit alot of inq

Was approved today, but its my second AMEX card got my first a blue in December with 6 INQ, and its a revolver its supposed to be harder to get. FICO TU is 713 from walmart.

From other posts, I think the more important things that AMEX is looking at FICO over 650, no lates, charge offs BK's, at least one year card history, a couple collections that are 3 years old are ok, and even a judgement if its 5+ year old or more. Also good income as well helps with CL's...

Re: Zync card

afbar1114 — Mon, 09 Jan 2012 23:28:08 GMT

i just got denied for a citi and discover but was approved for a cap one and jared lastmonth and had a CLI from kohls last week. so can anyone tell me if i should apply for it or should i wait isnce i just got 2 new cards.

Re: Zync card

pizzadude — Mon, 09 Jan 2012 23:33:40 GMT

If you don't have at least 1 year of CC history, I would advise you to wait before applying.

Re: Zync card

afbar1114 — Mon, 09 Jan 2012 23:37:18 GMT

i have 3 years of credit history last baddie was over 2 years ago and last one before that was over 5

Re: Zync card

Creditaddict — Mon, 09 Jan 2012 23:52:43 GMT

well at this point I would say just apply for it.... otherwise you are probably going to conitnue applying to places like Discover who will probably continue to deny you.

Also you should do a recon with Discover.

Re: Zync card

pizzadude — Mon, 09 Jan 2012 23:53:40 GMT

I would wait. You would likely need more positives, like longer CC account history, to outweigh the negatives on your report, IMO.

Re: Zync card

Anonymous — Mon, 09 Jan 2012 23:55:06 GMT

My equifax was 698. AAOA 9 Months longest card I've had is 14 months.

Approved with NPSL but i have no baddies.

Re: Zync card

LS2982 — Tue, 10 Jan 2012 01:05:29 GMT

@afbar1114 wrote:
has anyone gotten approved for the zync card. i want an amex card but i got denined by discover but got approved for a jared card around christmas. i do have alot of inq but my equifax score is 680. would i get this. anyone have luck with gettin approved wit alot of inq

AMEX primarily pulls EX. How is your EX file looking?

Re: Zync card

LS2982 — Tue, 10 Jan 2012 01:06:21 GMT

@pizzadude wrote:

I would wait. You would likely need more positives, like longer CC account history, to outweigh the negatives on your report, IMO.

Re: Zync card

afbar1114 — Tue, 10 Jan 2012 01:11:44 GMT

WELL i applied and got with a temp preset limit of 250 for online and NPSL when i get the card.

Re: Zync card

LS2982 — Tue, 10 Jan 2012 01:13:28 GMT

@afbar1114 wrote:
WELL i applied and got with a temp preset limit of 250 for online and NPSL when i get the card.

Congrats!!!

How is your EX file looking?

Re: Zync card

afbar1114 — Tue, 10 Jan 2012 01:22:45 GMT

it looks good. i have a FAKO score of 647 from the site you see on tv all the time. now i am gonna need to call discover back and have the recon. i am surprised i got approved with NPSL. i have 15 inq in the last 2 years and got about 5 new cards in the past 6 months. this will be my primary card for every thing now. i got the connect pack and i am gonna bump my debit out of spot one since i get points with this and i also get a $100 gift card as well after my frist buy. i am glad i finally got an amex now i can close out my first premier which is my oldest. but that was the price i had to pay to get here

Re: Zync card

CS800 — Tue, 10 Jan 2012 01:30:33 GMT

@afbar1114 wrote:
WELL i applied and got with a temp preset limit of 250 for online and NPSL when i get the card.

Nice !! you got in with AMEX

Re: Zync card

CS800 — Tue, 10 Jan 2012 01:32:38 GMT

@afbar1114 wrote:
it looks good. i have a FAKO score of 647 from the site you see on tv all the time. now i am gonna need to call discover back and have the recon. i am surprised i got approved with NPSL. i have 15 inq in the last 2 years and got about 5 new cards in the past 6 months. this will be my primary card for every thing now. i got the connect pack and i am gonna bump my debit out of spot one since i get points with this and i also get a $100 gift card as well after my frist buy. i am glad i finally got an amex now i can close out my first premier which is my oldest. but that was the price i had to pay to get here

That's the way to go. Some of their packs are free and well worth it.