topic Re: Amex Zync Card in Credit Cards

Amex Zync Card

DivaOnABudget — Tue, 26 Jun 2012 03:03:12 GMT

I see a lot people interested in the Amex Zync card. What is so special about this card ?

Re: Amex Zync Card

archinIL — Tue, 26 Jun 2012 03:14:40 GMT

It's amex. Good to get your foot in the door. Their charge cards are typically easier, and the zync has the lowest annual fee. Some say it is easier to get, but who really knows. Another thing.... Amex does backdating. If you had an account with them previously, they can backdate your account to the first account you had on file w them. So, even though It's a new account, it doesn't hurt your average age of accounts in that case, and might even help.

Re: Amex Zync Card

pizzadude — Tue, 26 Jun 2012 04:07:24 GMT

@archinIL wrote:
It's amex. Good to get your foot in the door. Their charge cards are typically easier, and the zync has the lowest annual fee. Some say it is easier to get, but who really knows. Another thing.... Amex does backdating. If you had an account with them previously, they can backdate your account to the first account you had on file w them. So, even though It's a new account, it doesn't hurt your average age of accounts in that case, and might even help.

+1. The AMEX Charge Cards are easier to get approved for than their revolving cards, and people with negatives/derogatory items have been approved for the Zync, including me , so it is believed to be the best card to apply for when you are trying to get your foot in the door.

Re: Amex Zync Card

Anonymous — Tue, 26 Jun 2012 04:07:49 GMT

It's the charge card with the lowest annual fee, so it's a good way to establish a relationship with Amex with one of their charge cards with the goal of getting a credit card later. So for a lot of people, the Zync is a means to an end. I actually think Amex offers too many superior cards for the Zync to be an end in itself.

Re: Amex Zync Card

G19OD — Tue, 26 Jun 2012 04:09:00 GMT

Being a charge card, with ultimately no limit (especially if you build good history), allows you to charge away and PIF every month without affecting your utilization.

Re: Amex Zync Card

Anonymous — Tue, 26 Jun 2012 06:31:36 GMT

@G19OD wrote:
Being a charge card, with ultimately no limit (especially if you build good history), allows you to charge away and PIF every month without affecting your utilization.

Agreed. And, its a really nice looking card too!

Re: Amex Zync Card

Repo-ed — Tue, 26 Jun 2012 11:28:42 GMT

@Anonymous wrote:
@G19OD wrote:
Being a charge card, with ultimately no limit (especially if you build good history), allows you to charge away and PIF every month without affecting your utilization.
Agreed. And, its a really nice looking card too!

Both quotes above, +1

I just hit my 1st statement and ran $1033 through it. My file is far from flaweless and my scores far from impressive, but they approved me - and I'll take it!

Re: Amex Zync Card

DivaOnABudget — Sat, 30 Jun 2012 21:18:25 GMT

Thanks. I seen a lot people mention the card in the community and was curious about it.

Re: Amex Zync Card

injustifiiable — Sat, 30 Jun 2012 22:32:09 GMT

I wonder if I could get approved with two 6 year old charge offs and 2 PR's...probably not a chance in hades I bet...hahah.

I'm not planning on applying until next year when my CO's fall off, anyway.

Re: Amex Zync Card

webhopper — Sat, 30 Jun 2012 22:38:19 GMT

@injustifiiable wrote:
I wonder if I could get approved with two 6 year old charge offs and 2 PR's...probably not a chance in hades I bet...hahah.

I'm not planning on applying until next year when my CO's fall off, anyway.

I got mine with 1 PR and a collection; and a 90 day late. All from 2006. I would suggest that if your income is good and everythings been paid; go for it.

Re: Amex Zync Card

injustifiiable — Sat, 30 Jun 2012 22:47:00 GMT

@webhopper wrote:
@injustifiiable wrote:
I wonder if I could get approved with two 6 year old charge offs and 2 PR's...probably not a chance in hades I bet...hahah.

I'm not planning on applying until next year when my CO's fall off, anyway.

I got mine with 1 PR and a collection; and a 90 day late. All from 2006. I would suggest that if your income is good and everythings been paid; go for it.

Oh, no kiddin. I was thinking about applying for it in maybe September/October since the cards I have will be around six months old then (I was also thinking of maybe apping for a GECRB card around that time as well). My PR's from from 2008/2009 so those might be "too recent".

We'll see though.

Re: Amex Zync Card

migliogiorni — Fri, 13 Jul 2012 03:27:59 GMT

The Zinc card is the easiest to get. Once you establish some time with the card you can get a better card like the BCE. Additionally, when you apply for another amex they backdate to the date of your first card. For those looking to get in with Amex zinc is the way to go.