Really want Amex zync!!! App itch

[Anonymous]

I really want to app for Amex zync, current fico scores are EQ 640, tu 560, exp fako 620. Got approved for auto loan thru my cu a month ago. Should I just pull trigger and apply for the zync. I had a closed charge off acct with them 6 years ago and one closed paid as agree with them 7 years ago as well, is it worth an inquiry???

[frogfan12]

---

@Anonymous wrote:
I really want to app for Amex zync, current fico scores are EQ 640, tu 560, exp fako 620. Got approved for auto loan thru my cu a month ago. Should I just pull trigger and apply for the zync. I had a closed charge off acct with them 6 years ago and one closed paid as agree with them 7 years ago as well, is it worth an inquiry???

---

In my opinion, no. Your scores are kind of low so you may not be approved. Just my two cents.

[CreditScholar]

Nope, you're not even close. 620 is pretty much subprime, and since it's a FAKO your real score might be even lower than that. I'd work on your credit for a minimum of 12 months before even thinking about applying. Amex is not a subprime lender nor have they ever been.

[-Cain-]

Is the auto loan your only open account? Are both of your old accounts with them paid? I think your scores may be a bit low. You may want to consider AmEx prepaid, you may get an invite to apply in a few months.

[Anonymous]

---

@Anonymous wrote:
I really want to app for Amex zync, current fico scores are EQ 640, tu 560, exp fako 620. Got approved for auto loan thru my cu a month ago. Should I just pull trigger and apply for the zync. I had a closed charge off acct with them 6 years ago and one closed paid as agree with them 7 years ago as well, is it worth an inquiry???

---

You will need to try to oasis program with them in all likelihood. AMEX is known to hold a grudge.

[Ron1]

---

@Anonymous wrote:

---

@Anonymous wrote:
I really want to app for Amex zync, current fico scores are EQ 640, tu 560, exp fako 620. Got approved for auto loan thru my cu a month ago. Should I just pull trigger and apply for the zync. I had a closed charge off acct with them 6 years ago and one closed paid as agree with them 7 years ago as well, is it worth an inquiry???

---

You will need to try to oasis program with them in all likelihood. AMEX is known to hold a grudge.

---

You cannot apply for oasis program.  They only offered to some charge-off Amex cardmembers.  

Ron.

[Ron1]

You may want to check if you have any pre-approval.

Ron.

[LS2982]

---

@Anonymous wrote:
I really want to app for Amex zync, current fico scores are EQ 640, tu 560, exp fako 620. Got approved for auto loan thru my cu a month ago. Should I just pull trigger and apply for the zync. I had a closed charge off acct with them 6 years ago and one closed paid as agree with them 7 years ago as well, is it worth an inquiry???

---

I don't think it's worth it, are these CO's paid?

[LS2982]

---

@CreditScholar wrote:
Nope, you're not even close. 620 is pretty much subprime, and since it's a FAKO your real score might be even lower than that. I'd work on your credit for a minimum of 12 months before even thinking about applying. Amex is not a subprime lender nor have they ever been.

---

+1

[Anonymous]

I have 2 ccs with cap1 with limit of 2250 combine. 2 accounts withovado 4500 combine. And express acct with 1000 limit. Student loan with balance of 20k in excellent standing. So overall, I think it's a good mix of credit but really love to have an Amex zync..