topic Re: The AMEX Zync Approval Thread in Credit Cards

The AMEX Zync Approval Thread

LS2982 — Mon, 02 Apr 2012 13:16:09 GMT

If you were recently approved, list whether you got NPSL or hard limit. List other info. if your cool doing so. This should be a good reference for members wanting in with AMEX ad need further info. on the card.

Re: The AMEX Zync Approval Thread

theagent26 — Mon, 02 Apr 2012 13:39:01 GMT

I was approved for the Zync last month with the scores in my sig. I have some old baddies (2 CO now ~5yrs old), a couple lates here and there that are getting old as well. I got NPSL, but I'm still a little nervous when I use it in the mall or at a meal lol! I still wonder if I should have tried for an AMEX Green? Oh well, I'm gonna baby this card for 6 months and see where I'm at afterwards. Hope this helps everyone!

Re: The AMEX Zync Approval Thread

LS2982 — Mon, 02 Apr 2012 14:26:32 GMT

I was at EX FICO 700, 2 baddies (6yr old paid tax lien, 3 30 day lates on paid off auto loan latest Oct 2010) AAoA 1.5yrs. Overall util. 8%. Approved for NPSL.

Re: The AMEX Zync Approval Thread

Anonymous — Mon, 02 Apr 2012 17:06:20 GMT

@LS2982 wrote:
I was at EX FICO 700, 2 baddies (6yr old paid tax lien, 3 30 day lates on paid off auto loan latest Oct 2010) AAoA 1.5yrs. Overall util. 8%. Approved for NPSL.

i was approved for amex zync as well about a week ago with npsl, how did you guys find out what your experian scores were from amex? they never sent me my score

Re: The AMEX Zync Approval Thread

LS2982 — Mon, 02 Apr 2012 17:23:00 GMT

@Itsrx I'm a member of PSECU, the only spot to get EX FICO free monthly.

Re: The AMEX Zync Approval Thread

Anonymous — Mon, 02 Apr 2012 17:28:30 GMT

@theagent26 wrote:
I was approved for the Zync last month with the scores in my sig. I have some old baddies (2 CO now ~5yrs old), a couple lates here and there that are getting old as well. I got NPSL, but I'm still a little nervous when I use it in the mall or at a meal lol! I still wonder if I should have tried for an AMEX Green? Oh well, I'm gonna baby this card for 6 months and see where I'm at afterwards. Hope this helps everyone!

how did you get amex to give you your score?

Re: The AMEX Zync Approval Thread

Eschaton — Mon, 02 Apr 2012 18:23:40 GMT

Approved with the following on 3/24/2012

AAoA: 1 year 3 months
Experian: 728
Inquiries: 3
Baddies: late payments on child support, assorted 30, 60, 90 and 120 days that were all resolved
History: 1 revolving account with Capital 1 Journey

Good luck to anyone who's applying!

Re: The AMEX Zync Approval Thread

theagent26 — Mon, 02 Apr 2012 19:03:49 GMT

@Anonymous wrote:
@theagent26 wrote:
I was approved for the Zync last month with the scores in my sig. I have some old baddies (2 CO now ~5yrs old), a couple lates here and there that are getting old as well. I got NPSL, but I'm still a little nervous when I use it in the mall or at a meal lol! I still wonder if I should have tried for an AMEX Green? Oh well, I'm gonna baby this card for 6 months and see where I'm at afterwards. Hope this helps everyone!

how did you get amex to give you your score?

I just called them before my card arrived and asked what was the score the pulled from EX. They told me immediately.

Re: The AMEX Zync Approval Thread

Brian_Trying_700 — Mon, 02 Apr 2012 19:14:48 GMT

I was just approved in October with 2 baddies on my Ex 1 c/o and 1 med bill for $200.00. The c/o was from 7 years ago and the med was from 4yrs ago. 1st I was denied and called the backdoor # and ask me if I had a checking account. I was approved for $500.00. Its a start. My fico score was 664

Re: The AMEX Zync Approval Thread

Creditaddict — Mon, 02 Apr 2012 19:29:16 GMT

@theagent26 wrote:
I was approved for the Zync last month with the scores in my sig. I have some old baddies (2 CO now ~5yrs old), a couple lates here and there that are getting old as well. I got NPSL, but I'm still a little nervous when I use it in the mall or at a meal lol! I still wonder if I should have tried for an AMEX Green? Oh well, I'm gonna baby this card for 6 months and see where I'm at afterwards. Hope this helps everyone!

Not sure why you would want Green over Zync... I think Zync has better rewards... If you are going higher then Zync, I would be looking at Gold with some of the sign on bonus stuff and regular Member Rewards vs. Express.

Run a test charge for $1000.00 If that is approved you can rest easy on dinner and mall unless you are already charging much higher, Either way I would not stress.

Re: The AMEX Zync Approval Thread

Anonymous — Mon, 02 Apr 2012 21:06:51 GMT

Was just approved instantly online for the Zync... think I should try a revolver since it's the same day and a possible SP?

Re: The AMEX Zync Approval Thread

LS2982 — Mon, 02 Apr 2012 21:09:37 GMT

@Anonymous wrote:
Was just approved instantly online for the Zync... think I should try a revolver since it's the same day and a possible SP?

Congrats!!!

Wouldn't hurt since it is a SP!

Re: The AMEX Zync Approval Thread

Anonymous — Mon, 02 Apr 2012 21:52:34 GMT

It worked! BCE Approved w/ 2500 CL!!!!!! maybe I should stop the app spree now.... or continue with Discover? Will AMEX be weird about that?

Re: The AMEX Zync Approval Thread

Brian_Trying_700 — Mon, 02 Apr 2012 21:54:40 GMT

Not for me. I had 2 different reports pulled for me. "Amex & Discover".

Re: The AMEX Zync Approval Thread

LS2982 — Mon, 02 Apr 2012 21:58:18 GMT

@Anonymous wrote:
It worked! BCE Approved w/ 2500 CL!!!!!! maybe I should stop the app spree now.... or continue with Discover? Will AMEX be weird about that?

BIG CONGRATS!!!!

HAPPY DANCE!!!!

Re: The AMEX Zync Approval Thread

Anonymous — Mon, 02 Apr 2012 22:07:57 GMT

My husband was recently approved for Zync, though it looks like they pulled Experian. Applied for a revolved same day and got declined, said his credit score with experian was 689, so apparently it hadn't updated my last credit card balance yet. Also said balances on cards were too high, so, must have been before Experian updated.

Estimated income for this year is only around $26,000. He got NPSL, but my authorized user card had a $250 limit when I activated it, but went to NPSL after his was activated. SO, now I'm really confused.. lol

Additionally he had 11 inqs, but no other baddies.

They're so pretty and sparkly..

Re: The AMEX Zync Approval Thread

Anonymous — Mon, 02 Apr 2012 22:09:23 GMT

@Anonymous wrote:
My husband was recently approved for Zync, though it looks like they pulled Experian. Applied for a revolved same day and got declined, said his credit score with experian was 689, so apparently it hadn't updated my last credit card balance yet. Also said balances on cards were too high, so, must have been before Experian updated.
Estimated income for this year is only around $26,000. He got NPSL, but my authorized user card had a $250 limit when I activated it, but went to NPSL after his was activated. SO, now I'm really confused.. lol

Additionally he had 11 inqs, but no other baddies.

They're so pretty and sparkly..

Is that 11 inq on EXP alone???

Re: The AMEX Zync Approval Thread

LS2982 — Mon, 02 Apr 2012 22:12:14 GMT

@Anonymous wrote:
My husband was recently approved for Zync, though it looks like they pulled Experian. Applied for a revolved same day and got declined, said his credit score with experian was 689, so apparently it hadn't updated my last credit card balance yet. Also said balances on cards were too high, so, must have been before Experian updated.
Estimated income for this year is only around $26,000. He got NPSL, but my authorized user card had a $250 limit when I activated it, but went to NPSL after his was activated. SO, now I'm really confused.. lol

Additionally he had 11 inqs, but no other baddies.

They're so pretty and sparkly..

They are known to issue temporary hard limits at first then releasing them once the card is activated so your fine!

Re: The AMEX Zync Approval Thread

Anonymous — Mon, 02 Apr 2012 22:42:57 GMT

@Anonymous wrote:
@Anonymous wrote:
My husband was recently approved for Zync, though it looks like they pulled Experian. Applied for a revolved same day and got declined, said his credit score with experian was 689, so apparently it hadn't updated my last credit card balance yet. Also said balances on cards were too high, so, must have been before Experian updated.
Estimated income for this year is only around $26,000. He got NPSL, but my authorized user card had a $250 limit when I activated it, but went to NPSL after his was activated. SO, now I'm really confused.. lol

Additionally he had 11 inqs, but no other baddies.

They're so pretty and sparkly..

Is that 11 inq on EXP alone???

I'm not completely sure, I'm going off of the credit pulls from our mortgage company. There's 4 on one, 2 on another and a whopping 10 (not 11, oops) on the other. Since Experian is his lowest score and the information is identical except for inquiries, I assumed that ugly group of 10 was on Experian. They're all from mortgage or car loan shopping other then the new inq from Amex

Re: The AMEX Zync Approval Thread

Anonymous — Mon, 02 Apr 2012 22:43:51 GMT

@LS2982 wrote:
@Anonymous wrote:
My husband was recently approved for Zync, though it looks like they pulled Experian. Applied for a revolved same day and got declined, said his credit score with experian was 689, so apparently it hadn't updated my last credit card balance yet. Also said balances on cards were too high, so, must have been before Experian updated.
Estimated income for this year is only around $26,000. He got NPSL, but my authorized user card had a $250 limit when I activated it, but went to NPSL after his was activated. SO, now I'm really confused.. lol

Additionally he had 11 inqs, but no other baddies.

They're so pretty and sparkly..

They are known to issue temporary hard limits at first then releasing them once the card is activated so your fine!

Ah, that would explain it then... Thanks!