Approved for Zync...

[blazerein]

Thanks for all the advice. Waited for 3 months and clean my CR, got my utilization down from 60% to 26%.  Pulled the trigger tonight....APPROVED for Zync.  I know this is a charge card but I think it will help my history since I was a member since 1995.  Will use the card for 6 months and then apply for a revolver card.

[grigorexxxcore]

Congrats! I'm SO jealous! Ive always wanted an AMEX. How many inquiries did you have when you applied?

[Anonymous]

I was approved for Zync as well........I had 6 INQ on file....I do not have any store cards when I applied, however, after I receieved the card I applied for Macys/Bloomies and got both....but I just read that they (Macys/Bloomies) may not be reporting to CRA...so I am going to have to research that.......Good luck with your Zync....unsure if you get the same response I have been getting but most places that I have been using the card at haven't seen this card and think it is a special AMEX card......LOL.....LOL.....

[Creditaddict]

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@Anonymous wrote:

I was approved for Zync as well........I had 6 INQ on file....I do not have any store cards when I applied, however, after I receieved the card I applied for Macys/Bloomies and got both....but I just read that they (Macys/Bloomies) may not be reporting to CRA...so I am going to have to research that.......Good luck with your Zync....unsure if you get the same response I have been getting but most places that I have been using the card at haven't seen this card and think it is a special AMEX card......LOL.....LOL.....

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Both Macys and Bloomingdales report to credit, they just don't report a CL anymore

[Anonymous]

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@Creditaddict wrote:

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@Anonymous wrote:

I was approved for Zync as well........I had 6 INQ on file....I do not have any store cards when I applied, however, after I receieved the card I applied for Macys/Bloomies and got both....but I just read that they (Macys/Bloomies) may not be reporting to CRA...so I am going to have to research that.......Good luck with your Zync....unsure if you get the same response I have been getting but most places that I have been using the card at haven't seen this card and think it is a special AMEX card......LOL.....LOL.....

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Both Macys and Bloomingdales report to credit, they just don't report a CL anymore

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I wonder why on the store account they don't report a CL, but on the Visa / AmEx account they do.  Any ideas?

[Breakthecycle2]

Has anyone gotten approved with a few baddies?

[Anonymous]

I have two that are 3 1/2 years old.

[blazerein]

I have 6 total baddies (4 from 5yrs ago and 2 from last year - 30day lates ). 

[Scuba]

I have had a ton of lates from about 3 years ago and was recently approved for a Zync. 

[terrymurph]

To all the posters are all of your baddies paid. I have a paid charge-off and an old medical bill that i refuse to because insurance was suppose to take care of it and didn't. So those are my only 2 baddies and i want to apply but im not to sure.