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Chances of Amex Charge

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Anonymous
Not applicable

Re: Chances of Amex Charge

Moreover zync is waiving AF for first year.. 

Message 21 of 27
improvingmycredit
Valued Contributor

Re: Chances of Amex Charge

Congrats!  Smiley Happy. Amex is absolutely income biased!  I think you will find because of your higher then preferred utility, the APR on your delta card will probably be high.  No problem though- they are good about APR reduction with good credit behavior!  Nice thing is, you'll get your EX FICO in the mail soon.  Smiley Happy. Again, CONGRATS!  Woo Hoo!


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 22 of 27
Open123
Super Contributor

Re: Chances of Amex Charge

For most, I think the best strategy is to start out with the Zync to build a histor with Amex and gain bonus points along the way.  

 

Bank the points, and after a year, apply for the no annual fee PRG with a sign up bonus.  Then, 50K + Zync points all become full MR.  This is how I'd do it.

Message 23 of 27
webhopper
Moderator Emeritus

Re: Chances of Amex Charge

Congrats!! Welcome to the amex family!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 24 of 27
rtw
Established Contributor

Re: Chances of Amex Charge

Congrats!

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 25 of 27
Prodr222
Member

Re: Chances of Amex Charge

i didnt know that the zync rewards points could be transferred to a higher charge card account as the legitiment amex membership rewards points. makes me wonder which card i should use for the bigger purchases. also they pulled my TU which i was also shocked when i founf out because mos of the pulls that ive read from members here have come from EX.

Message 26 of 27
injustifiiable
Valued Contributor

Re: Chances of Amex Charge


@Prodr222 wrote:

i didnt know that the zync rewards points could be transferred to a higher charge card account as the legitiment amex membership rewards points. makes me wonder which card i should use for the bigger purchases. also they pulled my TU which i was also shocked when i founf out because mos of the pulls that ive read from members here have come from EX.


Charge Card pulls are almost Exclusively EX....pulls for one of the revolvers can come from any bureau.

 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 27 of 27
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