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Congrats on the approval! Make sure you get the home pack so you can go buy yourself some lightbulbs or papertowels for free!
Congrats
thanks everyone!!!!! i have 3 charge offs 2 collections on my EX... income $50k and 8 inquiries in 6 months!!!....i chose restaurant pack... can I still change it when I get the card?? which one is the best one???
I believe you can change your packs monthly. Definitely work on the negs, try for removals. The 8 inquiries may be an issue.
@-Cain- wrote:I believe you can change your packs monthly. Definitely work on the negs, try for removals. The 8 inquiries may be an issue.
Yea, I been itching to reapply ... 2 chargeoffs would fall off this december but I just couldn't wait.... maybe my chances of getting a freedom card is much higher, now that I have an Amex..... but i'll be gardening now for sure!!!! this baby is more than enough as a rebuilder
Congrats for being in w/Amex, however I am confused, you got an Amex Zync Charge card that has a hard limit?? I though all Amex cards were NPSL???
If you don't qualify for NPSL with the zync, but you do qualify for their counter offer, you will be given the option of a $200 limit, or a $500 limit with autopay.
Congrats, kobe. I app'd for Zync today too and got the counteroffer as well. Nearly fell out of my chair, I couldn't care less about the hard $500 limit, I'm just happy to be in w/ AMEX. Again, congrats!
@atarvuzdar wrote:Congrats, kobe. I app'd for Zync today too and got the counteroffer as well. Nearly fell out of my chair, I couldn't care less about the hard $500 limit, I'm just happy to be in w/ AMEX. Again, congrats!
Thank you and congrats to you as well!!!! we are finally in!.. ...... one question, what is backdating???
congrats on the card appd for mine 8/30 and got it a couple days ago.
same 500 hard limit but whatever. got my foot in the door. (at least two prime cards this summer)
backdating is say you get the card 9/12 that is your starting date.
you apply in january of 14 (which is my plan) for another amex. you get approved.
the way the report the tl as opened in january of 12 and not 14.
so it helps your aaoa.
edit: AMEX is the ONLY company that does this.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |