American Express Zync How Long Should I Wait To Apply For It

[ezef3ar]

I Only Have An   Usaa Cash reward  visa   with a 500 $ limit  no inquiries on the reports......  none  just  have  8 months with credit  my history is clean  no student loans or  collections or nothing   How long should i wait to apply  for  one  or at least to have a chance   i heard from this forum that  thats the easy one to get  to get statrted >>??? BY THE WAY  IM NEW TO THE FORUM.....

[jsucool76]

First of all, Welcome to the forums! 

It is recommended to have at least 6 months of history under your belt (which you do) although I'm not sure what your chances would be with only a $500 limit reporting. 

[ezef3ar]

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@jsucool76 wrote:

First of all, Welcome to the forums! 

It is recommended to have at least 6 months of history under your belt (which you do) although I'm not sure what your chances would be with only a $500 limit reporting. 

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THANK YOU    what  do you personally rcomend  that  i need to do  to get  one<<<<<????    im like the rewards  and programs they offer thats what  got my attention 

[jsucool76]

I don't have one, I can't be totally sure. I'm in the garden, hopefully ending up with one after my time here

Someone else will step up who knows a lot more about the zync than I, but I just happen to know 6+ months is recommended

[bichonmom]

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@ezef3ar wrote:

I Only Have An   Usaa Cash reward  visa   with a 500 $ limit  no inquiries on the reports......  none  just  have  8 months with credit  my history is clean  no student loans or  collections or nothing   How long should i wait to apply  for  one  or at least to have a chance   i heard from this forum that  thats the easy one to get  to get statrted >>??? BY THE WAY  IM NEW TO THE FORUM.....

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You'd probably be able to get Zync, but it's a close call. It would be better if you had more than one TL reporting for 1 year or longer. You might want to get a GECRB store card (e.g. Walmart, JCPenny, Lowes, Old Navy, etc.) and app for Zync in 6 mos. You can CLI GE cards every 4th stmt and usually be approved. That will help with higher CLs showing on your CR. Also, I'd try to CLI your USAA -- either now or when you've had the card 12 mos.

You may get Zync now; it's really hard to predict. I do think your chances would be better if you had a little more credit history reporting, though.

On the other hand, if you are denied, it's only one HP. Then you'd know for sure. And if you don't get it, then you can work on your credit file so you can re-apply in 6 mos or so.

FYI, Walmart is nice to have because they give a free monthly TU FICO.

[jsucool76]

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@bichonmom wrote:

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@ezef3ar wrote:

I Only Have An   Usaa Cash reward  visa   with a 500 $ limit  no inquiries on the reports......  none  just  have  8 months with credit  my history is clean  no student loans or  collections or nothing   How long should i wait to apply  for  one  or at least to have a chance   i heard from this forum that  thats the easy one to get  to get statrted >>??? BY THE WAY  IM NEW TO THE FORUM.....

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You'd probably be able to get Zync, but it's a close call. It would be better if you had more than one TL reporting for 1 year or longer. You might want to get a GECRB store card (e.g. Walmart, JCPenny, Lowes, Old Navy, etc.) and app for Zync in 6 mos. You can CLI GE cards every 4th stmt and usually be approved. That will help with higher CLs showing on your CR. Also, I'd try to CLI your USAA -- either now or when you've had the card 12 mos.

You may get Zync now; it's really hard to predict. I do think your chances would be better if you had a little more credit history reporting, though.

On the other hand, if you are denied, it's only one HP. Then you'd know for sure. And if you don't get it, then you can work on your credit file so you can re-apply in 6 mos or so.

FYI, Walmart is nice to have because they give a free monthly TU FICO.

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This is what I was thinking. And if OP was approved I have a feeling it would be with a hard limit. 

[ezef3ar]

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@bichonmom wrote:

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@ezef3ar wrote:

I Only Have An   Usaa Cash reward  visa   with a 500 $ limit  no inquiries on the reports......  none  just  have  8 months with credit  my history is clean  no student loans or  collections or nothing   How long should i wait to apply  for  one  or at least to have a chance   i heard from this forum that  thats the easy one to get  to get statrted >>??? BY THE WAY  IM NEW TO THE FORUM.....

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You'd probably be able to get Zync, but it's a close call. It would be better if you had more than one TL reporting for 1 year or longer. You might want to get a GECRB store card (e.g. Walmart, JCPenny, Lowes, Old Navy, etc.) and app for Zync in 6 mos. You can CLI GE cards every 4th stmt and usually be approved. That will help with higher CLs showing on your CR. Also, I'd try to CLI your USAA -- either now or when you've had the card 12 mos.

You may get Zync now; it's really hard to predict. I do think your chances would be better if you had a little more credit history reporting, though.

On the other hand, if you are denied, it's only one HP. Then you'd know for sure. And if you don't get it, then you can work on your credit file so you can re-apply in 6 mos or so.

FYI, Walmart is nice to have because they give a free monthly TU FICO

thank you so much  for the advices  im gonna go on the safe side of it and  wait lil more.... im gonna go and try to apply for  a jcpenny or even  the american eagle  card  do you guys  think i have a chance on those  ??????

[ezef3ar]

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@jsucool76 wrote:

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@bichonmom wrote:

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@ezef3ar wrote:

I Only Have An   Usaa Cash reward  visa   with a 500 $ limit  no inquiries on the reports......  none  just  have  8 months with credit  my history is clean  no student loans or  collections or nothing   How long should i wait to apply  for  one  or at least to have a chance   i heard from this forum that  thats the easy one to get  to get statrted >>??? BY THE WAY  IM NEW TO THE FORUM.....

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You'd probably be able to get Zync, but it's a close call. It would be better if you had more than one TL reporting for 1 year or longer. You might want to get a GECRB store card (e.g. Walmart, JCPenny, Lowes, Old Navy, etc.) and app for Zync in 6 mos. You can CLI GE cards every 4th stmt and usually be approved. That will help with higher CLs showing on your CR. Also, I'd try to CLI your USAA -- either now or when you've had the card 12 mos.

You may get Zync now; it's really hard to predict. I do think your chances would be better if you had a little more credit history reporting, though.

On the other hand, if you are denied, it's only one HP. Then you'd know for sure. And if you don't get it, then you can work on your credit file so you can re-apply in 6 mos or so.

FYI, Walmart is nice to have because they give a free monthly TU FICO.

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This is what I was thinking. And if OP was approved I have a feeling it would be with a hard limit. 

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whats  a hard limit  ????  lol  im  just  starting.......this credit thing

[jsucool76]

any GECRB store cards really aren't that difficult to get. Walmart is a great one (if you shop there, if not don't bother) because of the free TU FICO score, 

AE is also a GECRB card, so is old navy, gap, banana republic, (those last 3 are all useable at all 3 stores (I.E Old navy works at GAP, GAP works at banana republic, ) ) So if you shop at any of those stores it is definitely worth it to try. JCP is a GE card too if I'm not mistaken.

They almost always pull TU, and you might get a low limit (maybe $150 or something) but it will grow with you so long as you treat it well. 

Edit: Some people get approved for zync with a counteroffer. Whereas a normal charge card has NPSL (No Preset Spending Limit), they'll be given the option of a $200 limit, or a $500 limit with autopay enabled (which will automatically pay your balance through a connected bank account by your due date) 

[bichonmom]

I think you'd be approved for a GECRB card. Penneys is GE. I'm not sure who backs the CC for American Eagle.

I wouldn't get more than 1 (or 2 max!) store cards. The more new accts you add, the lower your AAoA (aging of accounts) drops and also your FICO.