topic Re: AMEX APP'D Success in Credit Cards

AMEX APP'D Success

bmd0224 — Fri, 27 Jul 2012 21:16:18 GMT

Just app'd for Amex Zync and Gold Delta Skymiles and Approved for both.

EQ Fico 698

TU Fico 729

EX Fako 682

AAoA 6.7 yrs

A 60 and a 90 late over 4 years ago.

Feel very fortunate to be moving ahead with better cards thanks to the help from this forum! Thanks for all the help!

BoA 1-2-3 $1500 Amex Zync NPSL Amex Gold Delta CapOne 750 Dillards 3100 Walmart 1100

Re: AMEX APP'D Success

Anonymous — Fri, 27 Jul 2012 21:59:36 GMT

CONGRATS !!

Re: AMEX APP'D Success

score_building — Fri, 27 Jul 2012 22:22:55 GMT

Congrats! double the pleasure! Sounds like a 2 fer 1 INQ

Re: AMEX APP'D Success

Repo-ed — Fri, 27 Jul 2012 23:27:18 GMT

Limit on skymiles?

Re: AMEX APP'D Success

MsLadyRover — Sat, 28 Jul 2012 00:51:08 GMT

NICE! Congratulations!

Re: AMEX APP'D Success

Anonymous — Sat, 28 Jul 2012 02:34:24 GMT

Congrats!

Re: AMEX APP'D Success

CribDuchess — Sat, 28 Jul 2012 02:50:22 GMT

Way to Go! Congrats!!

Re: AMEX APP'D Success

LS2982 — Sat, 28 Jul 2012 02:52:34 GMT

CONGRATS!!!!

Re: AMEX APP'D Success

bmd0224 — Sat, 28 Jul 2012 13:45:12 GMT

Thanks! I'm not sure about the CL on the Skymiles; it went to further review. I app'd for the Skymiles first-result further review-then app'd for the Zync cause I didn't want to come away empty handed and got approved instantly with NPSL. I then found the link to check applications under review and to my surprise I was approved for the Skymiles! I have checked my updated EX report and it was only 1 HP so far. Pretty pumped cause I got the 35K Skymiles offer with the $500 spend in 3 months. I'll join that offer up witht the Skymiles Dinning to get an extra 2K miles for 1 dine and be off to the races! That should get me halfway to my trip to Hawaii or Iceland!

Re: AMEX APP'D Success

bmd0224 — Sat, 28 Jul 2012 13:48:13 GMT

I might add that my Utilization was around 7% and had 2 INQ's showing on Experian.

Re: AMEX APP'D Success

RockinRay — Sat, 28 Jul 2012 14:04:55 GMT

Congrats!

Re: AMEX APP'D Success

bmd0224 — Fri, 03 Aug 2012 21:07:54 GMT

Just an update, my EX Fico per Amex was 708 when they approved me for the Zync with NPSL and just received my Gold Delta Amex and it had a CL of $6300. Hard work has paid off for sure!!

Re: AMEX APP'D Success

Anonymous — Fri, 03 Aug 2012 21:41:32 GMT

@bmd0224 wrote:
Just an update, my EX Fico per Amex was 708 when they approved me for the Zync with NPSL and just received my Gold Delta Amex and it had a CL of $6300. Hard work has paid off for sure!!

Good for you! Congrats, and welcome to the Amex family.

Re: AMEX APP'D Success

Movin_on_up — Fri, 03 Aug 2012 21:59:16 GMT

Congrats bmd0224! That's great.

(minor thread-jack) Does anyone know how NPSL cards are calculated in FICO scoring regarding utilization?

Re: AMEX APP'D Success

Repo-ed — Sat, 04 Aug 2012 00:03:17 GMT

@bmd0224 wrote:
Just an update, my EX Fico per Amex was 708 when they approved me for the Zync with NPSL and just received my Gold Delta Amex and it had a CL of $6300. Hard work has paid off for sure!!

Remember to call in 61 days to ask for a CLI to 18,900k

Re: AMEX APP'D Success

Anonymous — Sat, 04 Aug 2012 02:16:13 GMT

@Movin_on_up wrote:
Congrats bmd0224! That's great.

(minor thread-jack) Does anyone know how NPSL cards are calculated in FICO scoring regarding utilization?

npsl is not what matters. Term is what matters. If term is 1 month like Amexcharge cards are, then util calculations ignore balance but ding you for having a card with any balance. If term is revolving, then calculated like other cards if limit is reported or uses high balance as limit for util calculations.

Re: AMEX APP'D Success

Movin_on_up — Sat, 04 Aug 2012 16:28:53 GMT

Got it - thanks Crashem!

Re: AMEX APP'D Success

webhopper — Sat, 04 Aug 2012 16:32:16 GMT

Congrats! Nice cards!

Re: AMEX APP'D Success

CS800 — Sat, 04 Aug 2012 16:32:17 GMT

Always a good feeling to get those primes