topic Re: Amex Zync in limbo in Credit Cards

Amex Zync in limbo

Anonymous — Thu, 08 Mar 2012 18:58:35 GMT

I just did my last app for the next several months for Amex Zync. I figured with my inquiries I would have no chance of getting it, but I also figured what's one more inquiry within the same day as all the ones from PSECU. Anyway, I got the following message but can't call them for about 1.5 hours:

Thank You for applying for the Zync from American Express®.

In order to provide you with an instant decision, we need to speak with you. We are available to assist you during our Hours of Operations: Monday-Friday 8AM to Midnight, Saturdays 9:30AM to 9PM, and Sundays 10AM to 9PM Eastern Time.

Please call us at ##### to be connected directly to a Customer Care Professional who will provide you with a decision. To expedite your call, please refer to your individual tracking number. #######.

Anyone know if this is promising? I honestly expected a flat instant rejection, which PNC CashBuilder even gave me, but now I have hope. I just hope it's not false hope. Anyone had this message before with Amex and what did they want to know when you called and what was the outcome? Thanks!

Re: Amex Zync in limbo

andre181 — Thu, 08 Mar 2012 19:01:47 GMT

It seems like it would be good news.

If you were denied, it would likely say you were denied.

They probably just have a question for you, or would like to verify your identity or address or something.

Re: Amex Zync in limbo

Anonymous — Thu, 08 Mar 2012 19:02:31 GMT

Could be stuff like address verification or just about anything.

A maybe is always better than a "no". I'd say, why are you here instead of calling them! lol *wink*

Re: Amex Zync in limbo

Anonymous — Thu, 08 Mar 2012 19:04:33 GMT

@Anonymous wrote:
Could be stuff like address verification or just about anything.
A maybe is always better than a "no". I'd say, why are you here instead of calling them! lol *wink*

I want to call them so badly, trust me. I am participating in an event at work, where I can have my laptop, but can't make any phone calls. It is so hard waiting!

Re: Amex Zync in limbo

Anonymous — Thu, 08 Mar 2012 19:05:33 GMT

I hear the bathroom has wonderful reception.

Re: Amex Zync in limbo

Anonymous — Thu, 08 Mar 2012 19:17:43 GMT

Its for verification. They will ask a few questions and ship your card out.

Re: Amex Zync in limbo

JaneS1123445 — Thu, 08 Mar 2012 19:55:49 GMT

@Anonymous wrote:
I hear the bathroom has wonderful reception.

+1 Love that response lol

Re: Amex Zync in limbo

Anonymous — Thu, 08 Mar 2012 20:06:43 GMT

@JaneS1123445 wrote:
@Anonymous wrote:
I hear the bathroom has wonderful reception.
+1 Love that response lol

+2 This was awesome.

I sure hope you're right TannerK. I will report back later when I get home. I will be calling them in the car on the way home from work.

Re: Amex Zync in limbo

RyVision — Thu, 08 Mar 2012 20:14:44 GMT

I'm not only going to agree with TannerK here by saying it's probably for verification, but go a step further and risk saying you're approved and with NPSL once you call and verify some info

At least I'm 96% sure of that So in case I'm not online to see the results, Congrats ahead of time!!

Re: Amex Zync in limbo

coluccim — Thu, 08 Mar 2012 20:19:25 GMT

I had the exact message on Monday.

I moved recently and combined both old and new addresses on my application (old house number, new street and zip).

I was approved with very questionable credit.

BK from 9/2002 showing.

(75) 120+ days late on six rehabbed student loans (yes 75 of them) rehab completed in July of last year. Lates are through September 2010 or thereabouts.

A thirty day late from June last year.

A chargeoff with $0 balance from 2009 - no collection.

2 inquiries on Experian - one for cable service, one for a Prosper loan.

My reported utility is at 8% due to a Prosper loan in December. Reporting as an installment loan on Experian.

EQ FICO from here 666

Before Prosper loan - 585

Income $70K

Re: Amex Zync in limbo

Anonymous — Thu, 08 Mar 2012 20:21:06 GMT

@Anonymous wrote:
@JaneS1123445 wrote:
@Anonymous wrote:
I hear the bathroom has wonderful reception.
+1 Love that response lol
+2 This was awesome.

I sure hope you're right TannerK. I will report back later when I get home. I will be calling them in the car on the way home from work.

Call in the parking lot.

Re: Amex Zync in limbo

Anonymous — Thu, 08 Mar 2012 20:24:49 GMT

@Anonymous wrote:
@Anonymous wrote:
@JaneS1123445 wrote:
@Anonymous wrote:
I hear the bathroom has wonderful reception.
+1 Love that response lol
+2 This was awesome.

I sure hope you're right TannerK. I will report back later when I get home. I will be calling them in the car on the way home from work.
Call in the parking lot.

Well, headed out now. I have bluetooth in my rental car, so I'll be calling during my drive. Let you know what happens when I get home.

Re: Amex Zync in limbo

webhopper — Thu, 08 Mar 2012 20:25:40 GMT

@Anonymous wrote:
I just did my last app for the next several months for Amex Zync. I figured with my inquiries I would have no chance of getting it, but I also figured what's one more inquiry within the same day as all the ones from PSECU. Anyway, I got the following message but can't call them for about 1.5 hours:

Thank You for applying for the Zync from American Express®.
In order to provide you with an instant decision, we need to speak with you. We are available to assist you during our Hours of Operations: Monday-Friday 8AM to Midnight, Saturdays 9:30AM to 9PM, and Sundays 10AM to 9PM Eastern Time.
Please call us at ##### to be connected directly to a Customer Care Professional who will provide you with a decision. To expedite your call, please refer to your individual tracking number. #######.

Anyone know if this is promising? I honestly expected a flat instant rejection, which PNC CashBuilder even gave me, but now I have hope. I just hope it's not false hope. Anyone had this message before with Amex and what did they want to know when you called and what was the outcome? Thanks!

They did this to me too, and I was approved NPSL. They likely just need to confirm some identity issues or something of the like.

Re: Amex Zync in limbo

Anonymous — Thu, 08 Mar 2012 21:26:19 GMT

Well the bad news is it looks like they wanted me to call because they tried to pull my frozen TU report. It is frozen for a reason as it still has like 4 baddies on it, 2 of which are only about 3 years old. I don't even know if I should bother unfreezing it to let them review because I don't see Amex approving me with a couple collections. Anybody think it is worth my time?

This is a bummer. I expected to be denied for recent inquiries, but It looked like Amex almost always uses EX. Just my luck, the one report of mine that isn't stellar is the one they want to use. I even called twice to ask if they would consider using another report and they said no both times. Oh well. I can't get too down on it. I will try for Amex towards the end of this year and I added 2 nice cards to my portfolio this week.

Re: Amex Zync in limbo

daveg38 — Thu, 08 Mar 2012 21:29:31 GMT

Where ya at (region)? Everytime I tried to get AMEX luv, it's an Experian pull.

Re: Amex Zync in limbo

LS2982 — Thu, 08 Mar 2012 21:30:49 GMT

@andre181 wrote:
It seems like it would be good news.

If you were denied, it would likely say you were denied.

They probably just have a question for you, or would like to verify your identity or address or something.

Re: Amex Zync in limbo

RyVision — Thu, 08 Mar 2012 21:32:34 GMT

Ah, I hadn't noticed the frozen TU report before, or the baddies you mention in the above post. Usually I'd say you most likely would not get approved. But if they've already pulled EX, I don't see a real harm in allowing them to pull TU. You stand a good chance of a denial but by next year it won't really matter. There is a very slim chance they might approve you though, AMEX can be odd that way (though they may pull EQ as well if they haven't already). I think you can give them a PIN number to pull your TU with, not sure on that one.

Re: Amex Zync in limbo

LS2982 — Thu, 08 Mar 2012 21:32:37 GMT

@coluccim wrote:
I had the exact message on Monday.

I moved recently and combined both old and new addresses on my application (old house number, new street and zip).
I was approved with very questionable credit.

BK from 9/2002 showing.
(75) 120+ days late on six rehabbed student loans (yes 75 of them) rehab completed in July of last year. Lates are through September 2010 or thereabouts.
A thirty day late from June last year.
A chargeoff with $0 balance from 2009 - no collection.
2 inquiries on Experian - one for cable service, one for a Prosper loan.

My reported utility is at 8% due to a Prosper loan in December. Reporting as an installment loan on Experian.

EQ FICO from here 666
Before Prosper loan - 585
Income $70K

I can't app for this card right now. I can't app for this card right now.I can't app for this card right now.I can't app for this card right now.I can't app for this card right now.I can't app for this card right now.I can't app for this card right now.I can't app for this card right now.I can't app for this card right now.I can't app for this card right now.I can't app for this card right now.I can't app for this card right now.I can't app for this card right now.I can't app for this card right now.

Re: Amex Zync in limbo

LS2982 — Thu, 08 Mar 2012 21:34:06 GMT

@Anonymous wrote:
Well the bad news is it looks like they wanted me to call because they tried to pull my frozen TU report. It is frozen for a reason as it still has like 4 baddies on it, 2 of which are only about 3 years old. I don't even know if I should bother unfreezing it to let them review because I don't see Amex approving me with a couple collections. Anybody think it is worth my time?

This is a bummer. I expected to be denied for recent inquiries, but It looked like Amex almost always uses EX. Just my luck, the one report of mine that isn't stellar is the one they want to use. I even called twice to ask if they would consider using another report and they said no both times. Oh well. I can't get too down on it. I will try for Amex towards the end of this year and I added 2 nice cards to my portfolio this week.

Take this as a victory now you have no HP for it and you can make a better judgement on what to do with your credit before you app with AMEX!

Re: Amex Zync in limbo

jamesdwi — Thu, 08 Mar 2012 21:36:41 GMT

@Anonymous wrote:
Well the bad news is it looks like they wanted me to call because they tried to pull my frozen TU report. It is frozen for a reason as it still has like 4 baddies on it, 2 of which are only about 3 years old. I don't even know if I should bother unfreezing it to let them review because I don't see Amex approving me with a couple collections. Anybody think it is worth my time?

This is a bummer. I expected to be denied for recent inquiries, but It looked like Amex almost always uses EX. Just my luck, the one report of mine that isn't stellar is the one they want to use. I even called twice to ask if they would consider using another report and they said no both times. Oh well. I can't get too down on it. I will try for Amex towards the end of this year and I added 2 nice cards to my portfolio this week.

all is not lost, i got approved for AMEX Blue with 3 medical collections (4+ years old) and a judgement (5 1/2 years old) but no lates, Oldest card was 3.5 years multiple credit lines that were less than a year old. AAoA of about 15 months.

2 month later they also pre-selected and approved me for AMEX Zync.