topic Re: AmEx Zync approved! in Credit Cards

AmEx Zync approved!

Eschaton — Fri, 23 Mar 2012 22:32:28 GMT

I just applied after receving responses from this thread:

http://ficoforums.myfico.com/t5/Credit-Cards/You-knew-it-was-coming-AMEX-zync-approvals-info/td-p/1294689

After I apped it gave me a message that I have to do a call in interview.. I called in and spoke to a rep and was approved! Got cut some slack after being denied for BCE.

Re: AmEx Zync approved!

afbar1114 — Fri, 23 Mar 2012 22:35:35 GMT

@Eschaton wrote:
I just applied after receving responses from this thread:

http://ficoforums.myfico.com/t5/Credit-Cards/You-knew-it-was-coming-AMEX-zync-approvals-info/td-p/1294689

After I apped it gave me a message that I have to do a call in interview.. I called in and spoke to a rep and was approved! Got cut some slack after being denied for BCE.

congrats

Re: AmEx Zync approved!

pizzadude — Fri, 23 Mar 2012 23:03:13 GMT

Congrats !! Just build some good history with them and you'll get the BCE too !!

Re: AmEx Zync approved!

Anonymous — Fri, 23 Mar 2012 23:07:59 GMT

congratulations

Re: AmEx Zync approved!

LS2982 — Fri, 23 Mar 2012 23:08:15 GMT

@Eschaton wrote:
I just applied after receving responses from this thread:

http://ficoforums.myfico.com/t5/Credit-Cards/You-knew-it-was-coming-AMEX-zync-approvals-info/td-p/1294689

After I apped it gave me a message that I have to do a call in interview.. I called in and spoke to a rep and was approved! Got cut some slack after being denied for BCE.

Very nice!!! Congrats!!! Were both waiting for our new shiny AMEX's now!!!

Re: AmEx Zync approved!

LS2982 — Fri, 23 Mar 2012 23:08:46 GMT

@pizzadude wrote:
Congrats !! Just build some good history with them and you'll get the BCE too !!

Re: AmEx Zync approved!

afbar1114 — Fri, 23 Mar 2012 23:19:03 GMT

@LS2982 wrote:
@pizzadude wrote:
Congrats !! Just build some good history with them and you'll get the BCE too !!
+1

is BCE better because of no AF or is BCP even tho af is $75 but you get better rewards

Re: AmEx Zync approved!

Anonymous — Fri, 23 Mar 2012 23:23:12 GMT

Maybe someday I will get mine and join the AMEX family...

Re: AmEx Zync approved!

Anonymous — Fri, 23 Mar 2012 23:25:21 GMT

@Eschaton wrote:
I just applied after receving responses from this thread:

http://ficoforums.myfico.com/t5/Credit-Cards/You-knew-it-was-coming-AMEX-zync-approvals-info/td-p/1294689

After I apped it gave me a message that I have to do a call in interview.. I called in and spoke to a rep and was approved! Got cut some slack after being denied for BCE.

Congrats to you ....you deserve it ...Im hoping to join you in there near future....

Re: AmEx Zync approved!

Anonymous — Fri, 23 Mar 2012 23:25:14 GMT

@afbar1114 wrote:
@LS2982 wrote:
@pizzadude wrote:
Congrats !! Just build some good history with them and you'll get the BCE too !!
+1
is BCE better because of no AF or is BCP even tho af is $75 but you get better rewards

It really depends, I mean most people pursue the BCE/P cards for the rewards. If by chance they spend more in one category over the other or if they spend enough to justify paying the $75 AF then it only make sense to get the BCP. However, some people just don't like the idea of an card with an AF and therefore the BCE is the best route for them.

Personally, I would only take the BCP over the BCE iff (if and only if) I was able to achieve a greater sum-total in rewards on the BCP, in addition to the $75 AF.

Re: AmEx Zync approved!

afbar1114 — Fri, 23 Mar 2012 23:27:51 GMT

@Anonymous wrote:
@afbar1114 wrote:
@LS2982 wrote:
@pizzadude wrote:
Congrats !! Just build some good history with them and you'll get the BCE too !!
+1
is BCE better because of no AF or is BCP even tho af is $75 but you get better rewards
It really depends, I mean most people pursue the BCE/P cards for the rewards. If by chance they spend more in one category over the other or if they spend enough to justify paying the $75 AF then it only make sense to get the BCP. However, some people just don't like the idea of an card with an AF and therefore the BCE is the best route for them.

Personally, I would only take the BCP over the BCE iff (if and only if) I was able to achieve a greater sum-total in rewards on the BCP, in addition to the $75 AF.

i was getting because of the 3% cash back on gas but if i can get a PC for my student BoA card to the Cash card..ill get BCE insted...and slate PC to Freedom for the 5% cash back on gas and food stores... ZYNC will still be used as every day card

Re: AmEx Zync approved!

LS2982 — Fri, 23 Mar 2012 23:35:37 GMT

The BCE is in my crosshairs 1 year from now!!!! I want to cherish my Zync card and let it grow.......................................

Re: AmEx Zync approved!

afbar1114 — Fri, 23 Mar 2012 23:36:13 GMT

@LS2982 wrote:
The BCE is in my crosshairs 1 year from now!!!! I want to cherish my Zync card and let it grow.......................................

BCE might make more sense now lol

Re: AmEx Zync approved!

LS2982 — Fri, 23 Mar 2012 23:37:27 GMT

@afbar1114 wrote:
@LS2982 wrote:
The BCE is in my crosshairs 1 year from now!!!! I want to cherish my Zync card and let it grow.......................................
BCE might make more sense now lol

Nowhere near ready for approval on that yet. Need to grow my accounts!!! (and so do you son)!!!

Re: AmEx Zync approved!

afbar1114 — Fri, 23 Mar 2012 23:40:36 GMT

@LS2982 wrote:
@afbar1114 wrote:
@LS2982 wrote:
The BCE is in my crosshairs 1 year from now!!!! I want to cherish my Zync card and let it grow.......................................
BCE might make more sense now lol
Nowhere near ready for approval on that yet. Need to grow my accounts!!! (and so do you son)!!!

i am and will 10/12 may be the month i try to get it but may wait until 3/13 and just get a CLI on BoA card in oct and maybe slate tooo.... which would be better get freedom and keep slate or PC to freedom

Re: AmEx Zync approved!

LS2982 — Fri, 23 Mar 2012 23:42:08 GMT

@afbar1114 wrote:
@LS2982 wrote:
@afbar1114 wrote:
@LS2982 wrote:
The BCE is in my crosshairs 1 year from now!!!! I want to cherish my Zync card and let it grow.......................................
BCE might make more sense now lol
Nowhere near ready for approval on that yet. Need to grow my accounts!!! (and so do you son)!!!
i am and will 10/12 may be the month i try to get it but may wait until 3/13 and just get a CLI on BoA card in oct and maybe slate tooo.... which would be better get freedom and keep slate or PC to freedom

Get it independently but wait 1 year to do it.

Re: AmEx Zync approved!

JusdoNit — Sat, 24 Mar 2012 00:10:37 GMT

Congrats afbar1114

Re: AmEx Zync approved!

LS2982 — Sat, 24 Mar 2012 00:16:54 GMT

@JusdoNit wrote:
Congrats afbar1114

Re: AmEx Zync approved!

Eschaton — Sat, 24 Mar 2012 00:40:36 GMT

@afbar1114 wrote:
is BCE better because of no AF or is BCP even tho af is $75 but you get better rewards

I don't like the idea of an AF, even if I make enough to reimbuirse it yearly and then some. Just because I like to be able to stash the card away and forget about it any point. But I also been thinking about getting the Blue Sky instead, I used to think very little of travel cards.. but after thinking about it - maybe a trip to Miami or Hawaii would be fun, and I can slowly get there with a travel card.

But I haven't heard of anyone talking about the Blue Sky at all.. I'm not too worried right now - I'm in full gardening mode now that I basically escaped from having only a Capital One card. When time comes, I'll research a little more about it.

Re: AmEx Zync approved!

Eschaton — Sat, 24 Mar 2012 00:43:16 GMT

@Anonymous wrote:
Maybe someday I will get mine and join the AMEX family...

Have you applied recently man? I have a super thin file and I had some baddies back in 2005-2008 (I had no history credit back then and it ended up as wage garnishment, so you can say I had a really bad start.) After having this Capital One card for a year with perfect use, I managed to get approved.. I don't see it being too far out of reach for you with your credit score.