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Denied for Zync card 9 months ago.

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Shogun
Moderator Emeritus

Denied for Zync card 9 months ago.

     About 9 months ago I applied for the Amex Zync card before they discontinued it.  Was denied.  Smiley Sad  Finished cleaning up the baddies on my CR and got my scores way up.   Today I got a Pre-Selection package in the mail for th Amex Premier Rewards Gold Card with 50,000 membership rewards points.

 

 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 1 of 8
7 REPLIES 7
LS2982
Mega Contributor

Re: Denied for Zync card 9 months ago.


@Shogun wrote:

     About 9 months ago I applied for the Amex Zync card before they discontinued it.  Was denied.  Smiley Sad  Finished cleaning up the baddies on my CR and got my scores way up.   Today I got a Pre-Selection package in the mail for th Amex Premier Rewards Gold Card with 50,000 membership rewards points.

 

 


Very nice!!!

 

Are you going to take the bait??? Smiley Tongue




EQ FICO 548 3/3/16
Message 2 of 8
09Lexie
Moderator Emerita

Re: Denied for Zync card 9 months ago.

Message 3 of 8
myjourney
Super Contributor

Re: Denied for Zync card 9 months ago.

You take the bait? 

It certainly feels good when you have mail with card offers doesn't it?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 8
Shogun
Moderator Emeritus

Re: Denied for Zync card 9 months ago.

Haven't made up my mind yet.  Would be nice to have, but holding to my policy of only applying for credit if I need it.  And I just don't need any right now.  I've got more than enough to get me in trouble.  

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 8
Shogun
Moderator Emeritus

Re: Denied for Zync card 9 months ago.


@myjourney wrote:

You take the bait? 

It certainly feels good when you have mail with card offers doesn't it?


I'm getting them from everyone now.   Yes, it feels good to be wanted!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 8
dodgerslv
Valued Contributor

Re: Denied for Zync card 9 months ago.

Go for it shogun!...Smiley Wink

gardening since 5/21/2016
Message 7 of 8
Scuba
Frequent Contributor

Re: Denied for Zync card 9 months ago.

All of my CR are frozen so I don't get any pre-approvals but it sure would be nice to still get one every once and awhile from someone you do business with.
Message 8 of 8
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