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AMEX ZYNC!

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Anonymous
Not applicable

Re: AMEX ZYNC!

Congrats on the approval! Make sure you get the home pack so you can go buy yourself some lightbulbs or papertowels for free!

Message 11 of 26
Cadillac-XTS
Established Contributor

Re: AMEX ZYNC!

Congrats

Message 12 of 26
kobe2012
Established Contributor

Re: AMEX ZYNC!

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???


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 13 of 26
-Cain-
Valued Contributor

Re: AMEX ZYNC!

I believe you can change your packs monthly. Definitely work on the negs, try for removals. The 8 inquiries may be an issue.

Message 14 of 26
kobe2012
Established Contributor

Re: AMEX ZYNC!


@-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


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 15 of 26
ACsteel
Frequent Contributor

Re: AMEX ZYNC!

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???

Message 16 of 26
jsucool76
Super Contributor

Re: AMEX ZYNC!

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. 

Message 17 of 26
atarvuzdar
Established Contributor

Re: AMEX ZYNC!

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. Smiley Happy Again, congrats!

FICO 8: EQ 846 / TU 836 / EX 832
AMEX Platinum / BofA Cash Rewards Visa Sig $99,900 / Chase CSR $43,400 / Citi Double Cash $39,600 / AMEX EveryDay $30,000 / Discover It $26,000 / Gemini $25,000 / JetBlue $25,000 / Chase Freedom Unlimited $22,500
Message 18 of 26
kobe2012
Established Contributor

Re: AMEX ZYNC!


@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. Smiley Happy Again, congrats!


Thank you and congrats to you as well!!!! we are finally in!.. Smiley Happy ...... one question, what is backdating???


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 19 of 26
creditnocash
Valued Contributor

Re: AMEX ZYNC!

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
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 20 of 26
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