topic Re: WOW zync and delta amex approval in Credit Cards

WOW zync and delta amex approval

Prodr222 — Sun, 26 Aug 2012 02:33:13 GMT

Guys im pretty surprised, shocked, and extremely happy.

i decided to apply for the amex zync card and was instantly approved. i was shocked then thought let me test my luck. so i decided to apply for the gold delta skymiles card and was taken to a page which said call us back. i thought my luck had ran out. their offices were closed so i decided to check my application status. and it said approved to both. I thought this is great espescially since i have only had 1 year of credit history and 40% util. however its gonna be great to cancel my wells fargo secured card.

Re: WOW zync and delta amex approval

Anonymous — Sun, 26 Aug 2012 02:38:41 GMT

The 40% util part made me wow. Congrats on your approvals aand enjoy those beauties! !

Re: WOW zync and delta amex approval

Prodr222 — Sun, 26 Aug 2012 02:42:16 GMT

Yeah i thought the zync would be a long shot with that util but then the delta. i said well let me call it a year haha.i think the fact that my new job and its income is what really helped me out.

Re: WOW zync and delta amex approval

CK_Charles_Lover — Sun, 26 Aug 2012 03:42:05 GMT

congrats

Re: WOW zync and delta amex approval

Anonymous — Sun, 26 Aug 2012 03:47:44 GMT

Congrats on the approvals! Great cards to get your hands on!

Re: WOW zync and delta amex approval

negg — Sun, 26 Aug 2012 03:57:19 GMT

Wow they turned me down on zync....650 FIFO and 28% utl. Discover didn't have an issue with me. B of A doesn't have a problem with me. Both gave me cc after Amex denied me. I'll just roll with disc and B of A. Amex has irratied me for the last time.

Re: WOW zync and delta amex approval

Prodr222 — Sun, 26 Aug 2012 04:21:22 GMT

i think the thing that helped me is that i inflated what my actual income is. im currently in college so whatever my parents give me i used that as income aswell as what my books and tuition cost. i feel like amex may be very income based in a decision because thats the only way i see how i couldve gotten these cards

Re: WOW zync and delta amex approval

isoldmyatlas — Sun, 26 Aug 2012 04:40:00 GMT

Be careful, because if you get picked for a FR you'll have an awfully hard time proving that your actual income matches what you put down!

Re: WOW zync and delta amex approval

Prodr222 — Sun, 26 Aug 2012 04:42:15 GMT

well the good thing is if that happens worst come to worst i can have my dad say that i work for his company saying that what i put down is my current income. which is what i put down. so hopefuly there are no rough seas ahead.

Re: WOW zync and delta amex approval

Anonymous — Sun, 26 Aug 2012 04:57:13 GMT

Congrats! I'm also a college student and was approved with a year of history for the Delta Gold card. It seems that it's one of Amex's easier revolving cards to get as many people with short history have been able to get it. If I were you I wouldn't misstate my income on any further apps though.

Re: WOW zync and delta amex approval

webhopper — Sun, 26 Aug 2012 08:50:18 GMT

Be careful with what you are doing. Amex goes by tax returns so if you're not claiming the gift from your parents then that can work against you. Also, its really not a matter of who you work for, its really a matter of what do you have on file with the IRS.

Re: WOW zync and delta amex approval

Prodr222 — Sun, 26 Aug 2012 15:31:45 GMT

oh no its shown on the tax returns. because me father runs its through his business that way and i get taxed less for that money than if he was getting that put onto what he already makes.

Re: WOW zync and delta amex approval

Anonymous — Sun, 26 Aug 2012 15:42:08 GMT

@Prodr222 wrote:
well the good thing is if that happens worst come to worst i can have my dad say that i work for his company saying that what i put down is my current income. which is what i put down. so hopefuly there are no rough seas ahead.

None of that will help if you get an F/R they look at the previous years tax records, which can be a pain if you have a new job/promotion/etc.

I would tread lightly with Amex for the time being.

Re: WOW zync and delta amex approval

Anonymous — Sun, 26 Aug 2012 15:46:42 GMT

Well this is a can of worms. I would simply say be careful when doing things that would be considered fraud it could have unintended consequences

Re: WOW zync and delta amex approval

Open123 — Sun, 26 Aug 2012 15:57:44 GMT

If they FR you, just close the card and tell them to pound sand.

Problem solved.

Re: WOW zync and delta amex approval

jamesdwi — Mon, 27 Aug 2012 15:02:20 GMT

They also can request your last 2-3 months of bankstatmenets, and/or paycheck stubs. If you can't produce proof of income look for hard limits or closed accounts.

Re: WOW zync and delta amex approval

Razeus — Mon, 27 Aug 2012 15:03:59 GMT

I just got approved for a Zync, but the online site didn't give a the credit limit (or preset limit). Is there a number I can call to determine what it is?

Re: WOW zync and delta amex approval

jamesdwi — Mon, 27 Aug 2012 15:06:56 GMT

Zync is NPSL unless you got an offer for a $200 hard limit or $500 with auto-pay if you didn't see that offer pop up you have NPSL, but remember the card has to be PIF by due date.

NPSL == no preset spending limit ( you have one but they don't usually disclose it)

Re: WOW zync and delta amex approval

Razeus — Mon, 27 Aug 2012 15:17:35 GMT

Well I'll be damned.

Didn't see anything about a hard limit or auto-pay.

This is the start of a beautiful week. The last 1 year working on my credit has paid off. Goodbye sub-prime Capital One cards!!!!!!!!!!!!!!