topic Re: AMEX Zync in Credit Cards

AMEX Zync

corymcd88 — Sun, 12 Feb 2012 18:25:33 GMT

What credit score do you need to get the AMEX Zync?

Re: AMEX Zync

Anonymous — Sun, 12 Feb 2012 18:29:23 GMT

650-850

Scores dont tend to matter much to Amex as they use their own system and numbers. Some with high scores have been denied while others with lower scores have been approved. This is their beginner card and if you dont meet qualifications for NPSL you may be offered a 500 hard limit. Wont know till you try.

Re: AMEX Zync

corymcd88 — Sun, 12 Feb 2012 18:38:51 GMT

@Anonymous wrote:
650-850

Scores dont tend to matter much to Amex as they use their own system and numbers. Some with high scores have been denied while others with lower scores have been approved. This is their beginner card and if you dont meet qualifications for NPSL you may be offered a 500 hard limit. Wont know till you try.

I have tryed three times my score is 680 EX my side when they pull it it is 640, and i have tryed the zync and green card and alway a no.

Re: AMEX Zync

Anonymous — Sun, 12 Feb 2012 19:04:07 GMT

Under their app status page, what reason do they give you?

Re: AMEX Zync

corymcd88 — Sun, 12 Feb 2012 19:08:04 GMT

@Anonymous wrote:
Under their app status page, what reason do they give you?

Credit score too low a rep in credit annalist sad the same. To menny inq in 6 mouths old two.

Re: AMEX Zync

Anonymous — Sun, 12 Feb 2012 19:08:41 GMT

I would wait 6 months. By then your score should be up and inqs aged.

Re: AMEX Zync

corymcd88 — Sun, 12 Feb 2012 19:10:43 GMT

@Anonymous wrote:
I would wait 6 months. By then your score should be up and inqs aged.

The inq are one year old. I got my score from myfico and they said my score is 680, one other site sad the same.

Re: AMEX Zync

pizzadude — Sun, 12 Feb 2012 19:13:35 GMT

Don't focus on your score when applying for AMEX. In general you should have a good credit history with several credit cards, all least 1 year old. If you have lates they should be at least 3 or 4 years old. Major derogatories will make it harder for you to be approved.

AMEX is quirky ~ so the above are general recommendations, as always you never really know until you apply.

Re: AMEX Zync

Anonymous — Sun, 12 Feb 2012 19:17:43 GMT

@corymcd88 wrote:
@Anonymous wrote:
I would wait 6 months. By then your score should be up and inqs aged.
The inq are one year old. I got my score from myfico and they said my score is 680, one other site sad the same.

Yes but there telling you there still to recent. If baddies are removed or aged you score should improve. I still reccomend waiting 6 months to a year. What is it about Zync that makes you want it? You said you also applied for green. Is it the rewards?

Re: AMEX Zync

corymcd88 — Sun, 12 Feb 2012 19:38:36 GMT

@Anonymous wrote:
@corymcd88 wrote:
@Anonymous wrote:
I would wait 6 months. By then your score should be up and inqs aged.
The inq are one year old. I got my score from myfico and they said my score is 680, one other site sad the same.
Yes but there telling you there still to recent. If baddies are removed or aged you score should improve. I still reccomend waiting 6 months to a year. What is it about Zync that makes you want it? You said you also applied for green. Is it the rewards?

I dont AMEX told me that it was the best fire me with my credit score.

Re: AMEX Zync

Anonymous — Sun, 12 Feb 2012 19:43:17 GMT

@corymcd88 wrote:
I dont AMEX told me that it was the best fire me with my credit score.

Im confused by this. I get that there telling you the score is to low but that would be there internal score, not just your fico. Which card are you wanting from them? Still zync?

Re: AMEX Zync

corymcd88 — Sun, 12 Feb 2012 20:08:36 GMT

@Anonymous wrote:
@corymcd88 wrote:
I dont AMEX told me that it was the best fire me with my credit score.
Im confused by this. I get that there telling you the score is to low but that would be there internal score, not just your fico. Which card are you wanting from them? Still zync?

Any that i can get, then change it later after some time has passed.

Re: AMEX Zync

LS2982 — Sun, 12 Feb 2012 20:14:37 GMT

@corymcd88 wrote:
@Anonymous wrote:
Under their app status page, what reason do they give you?
Credit score too low a rep in credit annalist sad the same. To menny inq in 6 mouths old two.

You really need to think about gardening for a year. Your doing nothing but hurting your chances for approvals.

Re: AMEX Zync

Anonymous — Mon, 13 Feb 2012 01:22:27 GMT

I think Amex are pretty income-sensitive too.

Re: AMEX Zync

Anonymous — Mon, 13 Feb 2012 02:08:08 GMT

Thats a tough one, obviously your score is going to play a role, but they are going to look more at history, and negatives on your report, as they analyze it through their own risk factor system. They are kind of strange, I was approved for the Zync with no special terms and I am only working part time and am a full time student.

Re: AMEX Zync

JustMe77 — Mon, 13 Feb 2012 02:36:15 GMT

I was approved a week after opening my Chase Freedom card. When Chase pulled my score, it was 670 I think. It was probably even lower for Amex.

Re: AMEX Zync

corymcd88 — Mon, 13 Feb 2012 02:41:44 GMT

@Anonymous wrote:
Thats a tough one, obviously your score is going to play a role, but they are going to look more at history, and negatives on your report, as they analyze it through their own risk factor system. They are kind of strange, I was approved for the Zync with no special terms and I am only working part time and am a full time student.

I have one charge off that is not mine, and i have been trying to get it off for over two years and they are one minet saying they are going to remove it and they they say thier are not, it is Chase, it is from eary '09.

Re: AMEX Zync

webhopper — Mon, 13 Feb 2012 02:55:37 GMT

Who does the Charge Off belong to, and how are you associated with it?

Re: AMEX Zync

corymcd88 — Mon, 13 Feb 2012 03:16:56 GMT

@webhopper wrote:
Who does the Charge Off belong to, and how are you associated with it?

Chase, it is a Fraud account.

Re: AMEX Zync

webhopper — Mon, 13 Feb 2012 04:07:10 GMT

File a police report, send a copy of the police report as well as a wacko letter about how you will sue the pants off of chase and the bureaus if they continue to report this fraudulent account. If they continue to report it, find a lawyer through legal aid and have him start writing letters. You shouldn't be dealing with this.