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Just approved Zync, want Delta when can I app?

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doublespaces
Frequent Contributor

Re: Just approved Zync, I want Gold Delta when can I apply?


@CreditMuppet wrote:

@doublespaces wrote:

True, but I don't think it would hurt me to try. If I apply, do I do the already have a card with amex application rather than the new application?


Of course you can try but at best its going to be another hard inquiry and at worst the system will cancel your app due to the fact that your last decison was a denial.


 

Pointing this out for educational purposes. Never say never. Amex is known for being peculiar. Just as odd as their denial was my approval.

Starting: EQ: 490 TU: ??? EX: ???
Current: EQ: 717 TU: 757 EX: 736 (lender)
Goal: 800+
=============
Amex: Zync, Gold Delta
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Message 31 of 39
bichonmom
Senior Contributor

Re: Just approved Zync, I want Gold Delta when can I apply?

Green and Gold, back in the 80s. Smiley Happy

 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 32 of 39
doublespaces
Frequent Contributor

Re: Just approved Zync, I want Gold Delta when can I apply?

Lol you should just tell them if they gave you the card and backdated then your scores would be good enough Smiley Happy
Starting: EQ: 490 TU: ??? EX: ???
Current: EQ: 717 TU: 757 EX: 736 (lender)
Goal: 800+
=============
Amex: Zync, Gold Delta
Discover More
Chase Slate
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Message 33 of 39
bichonmom
Senior Contributor

Re: Just approved Zync, I want Gold Delta when can I apply?


@doublespaces wrote:
Lol you should just tell them if they gave you the card and backdated then your scores would be good enough Smiley Happy

Exactly! That's the catch 22. Ironic, huh? Smiley Happy

 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 34 of 39
CreditMuppet
Frequent Contributor

Re: Just approved Zync, I want Gold Delta when can I apply?


@doublespaces wrote:

@CreditMuppet wrote:

@doublespaces wrote:

True, but I don't think it would hurt me to try. If I apply, do I do the already have a card with amex application rather than the new application?


Of course you can try but at best its going to be another hard inquiry and at worst the system will cancel your app due to the fact that your last decison was a denial.


 

Pointing this out for educational purposes. Never say never. Amex is known for being peculiar. Just as odd as their denial was my approval.


I dont think I was saying "Never" Smiley Tongue I was simply giving you the likelyhood of being qualified by Amex's automated system which you completely bypassed in both cases via a recon and a manual app. 


Starting Score: 770
Current Score: 765 (EX) 763 (EQ) 756 (TU)

Auto Enhanced: 788 (EX)
Goal Score: 800
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Message 35 of 39
doublespaces
Frequent Contributor

Re: Just approved Zync, I want Gold Delta when can I apply?


@CreditMuppet wrote:

@doublespaces wrote:

@CreditMuppet wrote:

@doublespaces wrote:

True, but I don't think it would hurt me to try. If I apply, do I do the already have a card with amex application rather than the new application?


Of course you can try but at best its going to be another hard inquiry and at worst the system will cancel your app due to the fact that your last decison was a denial.


 

Pointing this out for educational purposes. Never say never. Amex is known for being peculiar. Just as odd as their denial was my approval.


I dont think I was saying "Never" Smiley Tongue I was simply giving you the likelyhood of being qualified by Amex's automated system which you completely bypassed in both cases via a recon and a manual app. 


I would have gave the same answer to someone else if I were you, but you did explicitly say I wouldn't get approved. Proved us both wrong.  Also, I did not recon the second time. Direct approval, simply had to call and verify my address since I used one not on my credit report.

Starting: EQ: 490 TU: ??? EX: ???
Current: EQ: 717 TU: 757 EX: 736 (lender)
Goal: 800+
=============
Amex: Zync, Gold Delta
Discover More
Chase Slate
Discover More
Message 36 of 39
doublespaces
Frequent Contributor

Re: Just approved Zync, I want Gold Delta when can I apply?

Got my Gold Delta card today. Waiting for the zync, it was sent to my old address so waiting for it to be forwarded to me here.

Starting: EQ: 490 TU: ??? EX: ???
Current: EQ: 717 TU: 757 EX: 736 (lender)
Goal: 800+
=============
Amex: Zync, Gold Delta
Discover More
Chase Slate
Discover More
Message 37 of 39
tntexans72
Valued Contributor

Re: Just approved Zync, I want Gold Delta when can I apply?

Very nice...what CL did they start you out again for the Delta?

Message 38 of 39
doublespaces
Frequent Contributor

Re: Just approved Zync, I want Gold Delta when can I apply?

1000
Starting: EQ: 490 TU: ??? EX: ???
Current: EQ: 717 TU: 757 EX: 736 (lender)
Goal: 800+
=============
Amex: Zync, Gold Delta
Discover More
Chase Slate
Discover More
Message 39 of 39
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