topic Re: 695 for Amex zync? in Credit Cards

695 for Amex zync?

Anonymous — Tue, 01 May 2012 00:38:51 GMT

hi all,

Look at my information below and let me your if its a go for an Amex Zync. One inquire in the last 12 months from all three reports. UTI is 25%

Thanks guys!

Re: 695 for Amex zync?

Anonymous — Tue, 01 May 2012 00:51:46 GMT

I got approved for the Zync (npsl) last Tuesday (it got here today - speedy) and have similar scores to yours (slightly lower), several baddies (COs, collections) that are 5-7 years old and 2-3 inq's on each report at the time of application.

Can't say anything for sure, but I'll cross my fingers for you!

Re: 695 for Amex zync?

webhopper — Tue, 01 May 2012 00:54:02 GMT

I think you have a decent chance of approval with them!

Re: 695 for Amex zync?

Anonymous — Tue, 01 May 2012 00:54:25 GMT

@Anonymous wrote:
I got approved for the Zync (npsl) last Tuesday (it got here today - speedy) and have similar scores to yours (slightly lower), several baddies (COs, collections) that are 5-7 years old and 2-3 inq's on each report at the time of application.

Can't say anything for sure, but I'll cross my fingers for you!

Congrats on the Amex Card! it must feel good, huh? I think i'm going to wait until my Discover card hits one year old, which will be next April. i want to make sure i get it.

Re: 695 for Amex zync?

Anonymous — Tue, 01 May 2012 00:55:33 GMT

My scores are also slightly lower than yours and I was approved.

Re: 695 for Amex zync?

Anonymous — Tue, 01 May 2012 00:57:03 GMT

@Anonymous wrote:
My scores are also slightly lower than yours and I was approved.

Do you like the card? did you the NPSL?

Re: 695 for Amex zync?

Anonymous — Tue, 01 May 2012 01:04:06 GMT

@Anonymous wrote:
Congrats on the Amex Card! it must feel good, huh? I think i'm going to wait until my Discover card hits one year old, which will be next April. i want to make sure i get it.

Thanks You should get it easily next year, you might even be able to skip the Zync and get a revolver by then!

I feel terrible saying it, but I only got one because "everyone else is doing it". I won't use it because if I'm going to PIF every month I rather PIF on the card I've longed for since 2007 and finally got (Southwest). I just figured that someday I would probably want a revolver from them, and paying $25 a year to have that future card backdated would be worth it.

Plus, if I'm still with Amex and AU backdating still helps 10 years from now, then my son can have a nice AAoA right out of the gate lol

Re: 695 for Amex zync?

Anonymous — Tue, 01 May 2012 01:11:20 GMT

I've only had it for a few months and I don't use it much right now sinceI'm trying to meet minimum spending on other cards. The sync your card features which gives you nice little credits for shopping at certain places are definitely nice. I dont like that I had to pay to add my sister as an AU but I do like that I get to limit her spending.

Re: 695 for Amex zync?

Anonymous — Tue, 01 May 2012 01:52:34 GMT

Go for it

I got approved with a 660 credit score.

Re: 695 for Amex zync?

Meltdownblitz — Tue, 01 May 2012 04:52:22 GMT

I also got approved for that card almost a year ago with a 675 credit score. I think you have a good chance to get approved.

Re: 695 for Amex zync?

boomhower — Tue, 01 May 2012 10:44:19 GMT

695, 25% UT, and not baddies shoudl be an easy approval for Zync.

Re: 695 for Amex zync?

pizzadude — Tue, 01 May 2012 15:58:15 GMT

I wouldn't go by credit score, AMEX is very quirky, and scores aren't always a good indicator. But assuming that your cards have sufficient age and that your report is clean, I think you have a good chance at getting approved.