Amex Zync Or Gold?

[Anonymous]

This almost makes me want to app since it will only be a SP if denied 

[FicoTron]

If I knew it was as easy to get a gold as it is the Zync, I would app for it right now.

[Anonymous]

I don't see why you wouldn't be approved with a 705 on your Experian..

[FicoTron]

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@Anonymous wrote:

I don't see why you wouldn't be approved with a 705 on your Experian..

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2 30 day lates from 6 years ago and a CO from 6 years ago that I paid in December of last year, so it updated the CO status, making it look like a recent CO. My EX is in the 690's. Good AAoA, low credit amounts on two rebuilder cards for 2 years always PIF.

[LS2982]

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@FicoTron wrote:

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@Anonymous wrote:

I don't see why you wouldn't be approved with a 705 on your Experian..

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2 30 day lates from 6 years ago and a CO from 6 years ago that I paid in December of last year, so it updated the CO status, making it look like a recent CO. My EX is in the 690's. Good AAoA, low credit amounts on two rebuilder cards for 2 years always PIF.

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Your file is almost identical to mine except the CO is a Tax lien on mine same age paid.

[FicoTron]

That's good news. That is why I am starting to lean toward the Zync, but I really want the gold. Just was hoping to get some success stories on the gold.

[LS2982]

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@FicoTron wrote:
That's good news. That is why I am starting to lean toward the Zync, but I really want the gold. Just was hoping to get some success stories on the gold.

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If you can get in on Zync yo ucan with Green as well. Why not get one of those, hold it for 6 months then get the Gold?

[FicoTron]

I've gotten mail offers for green and gold. The way I look at it, paying the extra $30 for the gold over green is no problem. If it were possible to PC from Zync I would app for it this instant. That's why I keep throwing out feelers to see if it is harder to get the gold than it is to get green/Zync.

[LS2982]

@Ficotron So getting the green then later getting th gold is out of the picture?

IMO, and from what I seen on the forums, if your qualified fo the green you can get the gold.

[Anonymous]

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@FicoTron wrote:
I've gotten mail offers for green and gold. The way I look at it, paying the extra $30 for the gold over green is no problem. If it were possible to PC from Zync I would app for it this instant. That's why I keep throwing out feelers to see if it is harder to get the gold than it is to get green/Zync.

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If you've been getting offers for the gold as well as the green, I'd say that you have a good chance at getting it. I'd recommend that you app for the card that you really want.