topic Re: Zync Approved!!! in Credit Cards

Zync Approved!!!

Anonymous — Fri, 24 Aug 2012 22:35:07 GMT

Just apped and approved for the Zync NPSL. Finally got My student loans to correctly list on EX and a collection deleted last month so I pulled the trigger and success!

Goal this year was to get Discover More (got it in May) and the Zync then garden for a year or so after beginning to rebuild my scores from 590 last year. Currently at around 660 across the board and continuing to improve!

Fellow Zync'ers...the message said I would receive card in 7-10 days, but I hopped off the creek to try for a BCE for the heck of it. Not sure if I missed anything on the page I should've seen!

Re: Zync Approved!!!

Pworld — Fri, 24 Aug 2012 22:45:57 GMT

If it wasn't done on the same day then you probably get 2 hard pulls. But your Zync should be good. They usually want you to wait 30 days if your denied for the first one.

Re: Zync Approved!!!

Anonymous — Fri, 24 Aug 2012 22:52:22 GMT

Enjoy your Zync, I took care of it and it took care of me!

Re: Zync Approved!!!

Anonymous — Fri, 24 Aug 2012 22:54:46 GMT

Yea I called and all was good. It was within a matter of 5 minutes between apps. Just got my approval email!

Re: Zync Approved!!!

Pworld — Fri, 24 Aug 2012 23:07:43 GMT

congrats!!

Re: Zync Approved!!!

webhopper — Sat, 25 Aug 2012 01:23:44 GMT

Congrats! Were you approved for BCE?

Re: Zync Approved!!!

Anonymous — Sat, 25 Aug 2012 02:26:35 GMT

Congrats, and welcome to the Amex family! You're doing a great job on your rebuild. Keep up the good work, and enjoy your new card.

Re: Zync Approved!!!

Anonymous — Sat, 25 Aug 2012 05:07:23 GMT

Congrats on the zync, but did you get the bce? That'd be twice the joy

Re: Zync Approved!!!

Anonymous — Sat, 25 Aug 2012 07:58:40 GMT

Will they waive first year fees? I just read on their website.

Re: Zync Approved!!!

Anonymous — Sat, 25 Aug 2012 14:04:50 GMT

Did not get BCE. It's okay though. Plan is to garden til next summer and then go for BCE or BCP. Very happy I am in with American Express. Thanks to all for the advice on these forums!

Re: Zync Approved!!!

Open123 — Sat, 25 Aug 2012 16:39:38 GMT

The Zync is a great card!

Use it well and build a good internal risk and transaction score with Amex, and you'll be approved for any of their cards in 8 - 12 months. In my view, what really sets Amex apart is how they tend to look at where you'll be as opposed to where you were.

Re: Zync Approved!!!

LS2982 — Sat, 25 Aug 2012 16:41:14 GMT

CONGRATS!!!!

I love my Zync!!

Re: Zync Approved!!!

MsLadyRover — Sat, 25 Aug 2012 16:58:18 GMT

Woo Hoo! Congrats on your Zync!

I was recently approved too. Can't wait for it to arrive!

Re: Zync Approved!!!

Open123 — Sat, 25 Aug 2012 17:00:10 GMT

Ensure you guys sign up for the Eco pack (free) and the Home Pack (gift card pays for the fee)!

Re: Zync Approved!!!

MsLadyRover — Sat, 25 Aug 2012 17:12:08 GMT

@Open123 wrote:
Ensure you guys sign up for the Eco pack (free) and the Home Pack (gift card pays for the fee)!

Absolutely! I signed up for all the free packs plus the home and restaurant pack.

Re: Zync Approved!!!

Open123 — Sat, 25 Aug 2012 17:16:21 GMT

@MsLadyRover wrote:
@Open123 wrote:
Ensure you guys sign up for the Eco pack (free) and the Home Pack (gift card pays for the fee)!
Absolutely! I signed up for all the free packs plus the home and restaurant pack.

Awesome!

I love the restaurant pack, especially when combined with the Eco which confers 3% on some eateries! All the free stuff and gift cards, the restaurant literally pays for itself.

Re: Zync Approved!!!

MsLadyRover — Sat, 25 Aug 2012 17:22:20 GMT

@Open123 wrote:
@MsLadyRover wrote:
@Open123 wrote:
Ensure you guys sign up for the Eco pack (free) and the Home Pack (gift card pays for the fee)!
Absolutely! I signed up for all the free packs plus the home and restaurant pack.
Awesome!

I love the restaurant pack, especially when combined with the Eco which confers 3% on some eateries! All the free stuff and gift cards, the restaurant literally pays for itself.

Woo Hoo! Can't wait to start enjoying the benefits.

By the middle of next week, I will be running to the mailbox looking for my card. LOL.

Re: Zync Approved!!!

Anonymous — Sat, 25 Aug 2012 17:39:26 GMT

Thanks guys.

I've read about the high balance reported factoring into how your monthly charges stack up against the high balance - affecting FICO. Any truth to this? Or any guidance on how to properly use a charge (other than obviously PIF monthly) that will help me avoid any negative impact to my score?

Re: Zync Approved!!!

Anonymous — Sat, 25 Aug 2012 20:51:13 GMT

Also just saw AMEX pulled all three bureaus.

Re: Zync Approved!!!

Anonymous — Sun, 26 Aug 2012 01:24:24 GMT

I got the zync with pretty much the same scores as the OP just a few points higher and I got hit with a hard limit of $500? oh well...at least I got my feet in the door with Amex.