topic Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives? in Credit Cards

AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

Anonymous — Tue, 04 Sep 2012 01:48:10 GMT

After YEARS of checking the AMEX pre-selector site, today I finally saw that I was "pre-selected" for the Gold, Green, and Blue cards.

After reading a few threads on here I decided to pull the trigger on a Zync card.

I was instantly approved! I was surprised because I still have an outstanding judgement that I'm hoping to settle, otherwise, my credit report is spotless and I've had perfect records on all of my accounts. (Ironically, I've just closed two sub-prime cards.)

I'm also sort of scared now. I was instantly approved (no counter-offer) but I'm worried that I'll get some letter in the mail saying "we made a big mistake, you're actually denied".

Does this happen?

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

rtw — Tue, 04 Sep 2012 01:53:30 GMT

You may want to try for a revolver also. It should only be one hard pull if you apply today. I wouldn't worry about your approval being cancelled. I thought I was blacklisted because of an unpaid charge off. I was approved for the Zync and the Gold in July. It was one HP.

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

Anonymous — Tue, 04 Sep 2012 01:53:54 GMT

Only if someone at Amex sees your application and realizes that you've slept with his sister.

You're approved, congrats! I can't see the need to worry about that remote possibility.

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

Anonymous — Tue, 04 Sep 2012 01:57:01 GMT

@rtw wrote:
You may want to try for a revolver also. It should only be one hard pull if you apply today. I wouldn't worry about your approval being cancelled. I thought I was blacklisted because of an unpaid charge off. I was approved for the Zync and the Gold in July. It was one HP.

Do you think this would be pushing it with the credit gatekeeper? I already feel like I was lucky to slip through with that judgement.

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

webhopper — Tue, 04 Sep 2012 01:57:35 GMT

@Anonymous wrote:
After YEARS of checking the AMEX pre-selector site, today I finally saw that I was "pre-selected" for the Gold, Green, and Blue cards.

After reading a few threads on here I decided to pull the trigger on a Zync card.

I was instantly approved! I was surprised because I still have an outstanding judgement that I'm hoping to settle, otherwise, my credit report is spotless and I've had perfect records on all of my accounts. (Ironically, I've just closed two sub-prime cards.)

I'm also sort of scared now. I was instantly approved (no counter-offer) but I'm worried that I'll get some letter in the mail saying "we made a big mistake, you're actually denied".

Does this happen?

This does not happen, Congrats on your new card... I might suggest Starwood Preferred Guest, as there have been several forum members who have been approved with this card, with a questionable file.

Do expect a call from the ID verification department the first few times you use the card. That's what happened to me.

Congrats! Welcome to the Amex family!

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

webhopper — Tue, 04 Sep 2012 01:59:20 GMT

@Anonymous wrote:
@rtw wrote:
You may want to try for a revolver also. It should only be one hard pull if you apply today. I wouldn't worry about your approval being cancelled. I thought I was blacklisted because of an unpaid charge off. I was approved for the Zync and the Gold in July. It was one HP.
Do you think this would be pushing it with the credit gatekeeper? I already feel like I was lucky to slip through with that judgement.

Nope, this would not be pushing it. Its a computer... not a person. A computer can't look at this and go OMG the nerve! The computer doesn't have emotions, it just says yes or no. If you apply for a revolver it should only cost one HP anyways, so no harm done.

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

rtw — Tue, 04 Sep 2012 02:01:52 GMT

I don't think so. As long as you apply on the same day it should only be one HP. I'd go for it. Particularly since you said that you were "pre-selected" for Gold, Green, and Blue. What's your FICO with Experian?

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

webhopper — Tue, 04 Sep 2012 02:09:53 GMT

@rtw wrote:
I don't think so. As long as you apply on the same day it should only be one HP. I'd go for it. Particularly since you said that you were "pre-selected" for Gold, Green, and Blue. What's your FICO with Experian?

I hope the lack of an immediate response means that the OP is "going for it". I love living vicariously through other people's approvals!

Good Luck OP!

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

Cageym — Tue, 04 Sep 2012 02:10:57 GMT

I did apply for a co-branded gold revolver immediatly after being approved for a Zync and it's only showing one HP. (Approved for both). Btw, congrats on the new card!

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

rtw — Tue, 04 Sep 2012 02:12:48 GMT

Me too, Webhopper. Especially since I've been shot down twice for the BCP. But they were both SP's since I'm a member. January is feeling like destiny for me.

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

webhopper — Tue, 04 Sep 2012 02:16:58 GMT

@rtw wrote:
Me too, Webhopper. Especially since I've been shot down twice for the BCP. But they were both SP's since I'm a member. January is feeling like destiny for me.

I want the lowes business amex. I think this will be my goal for 7/30/13. At that time, I want NFCU NavCheck, NFCU Business Rewards Mastercard, and Amex Business Lowes Rewards

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

Anonymous — Tue, 04 Sep 2012 02:17:14 GMT

Oops, I went for it, and this application is "pending further review".

I hope it doesnt affect my Zync that's already been approved.

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

Anonymous — Tue, 04 Sep 2012 02:17:46 GMT

I applied for the regular "Blue" card and not a co-branded AMEX.

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

webhopper — Tue, 04 Sep 2012 02:19:07 GMT

@Anonymous wrote:
I applied for the regular "Blue" card and not a co-branded AMEX.

Good Luck!

Go here to check application status: https://www262.americanexpress.com/eaol/welcome.do

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

Anonymous — Tue, 04 Sep 2012 02:20:45 GMT

@webhopper wrote:
@Anonymous wrote:
I applied for the regular "Blue" card and not a co-branded AMEX.
Good Luck!

Go here to check application status: https://www262.americanexpress.com/eaol/welcome.do

That's weird!!!

It says I've been approved for both!

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

webhopper — Tue, 04 Sep 2012 02:22:27 GMT

@Anonymous wrote:
@webhopper wrote:
@Anonymous wrote:
I applied for the regular "Blue" card and not a co-branded AMEX.
Good Luck!

Go here to check application status: https://www262.americanexpress.com/eaol/welcome.do

That's weird!!!

It says I've been approved for both!

OMG YAY!! CONGRATS!!! You have arrived into the Amex Family in style

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

Anonymous — Tue, 04 Sep 2012 02:22:22 GMT

I didnt receive an immediate email like I did for the Zync though.

(sorry for the play-by-play everyone!)

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

rtw — Tue, 04 Sep 2012 02:23:04 GMT

Congrats! It feels like I was approved too. You went for the BCE?

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

webhopper — Tue, 04 Sep 2012 02:23:10 GMT

@Anonymous wrote:
I didnt receive an immediate email like I did for the Zync though.

(sorry for the play-by-play everyone!)

For those of us who live vicariously through your approval, the play by play is awesome, as it gives us our much needed approval "fix"

Nicely done

Re: AMEX Zync approval - what are the chances of it getting cancelled before the card arrives?

rtw — Tue, 04 Sep 2012 02:25:13 GMT

Webhopper is right on point as this is day 2 for me in the garden.