Really want Amex zync!!! App itch

[LS2982]

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@Anonymous wrote:
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..

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I think it would be smart of you to garden for a year and get your EX score up before trying. Not even sure about the CO, they could decline strictly on that.

[Anonymous]

I wouldn't do it! You have a decent mix, but a new credit line and a low score. No since added an INQ to the pot for a likely low yield. Use what you have, pay on time, and try to clean up your report first.

[chromonso1]

Ya I think it'll be pretty much impossible to get it with that charge off and those scores are pretty low FYI amex pulled EXPERIAN on my recent most zync application unfortunatly I don't know what my real score is on that but my plus score is 698, my real scores for EX and TU are 665 and 670 respectivly. Anyway it is a great card I think everyone should have it. People think i'm a rockstar when I whip it out lol. 

[LS2982]

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@chromonso1 wrote:

Ya I think it'll be pretty much impossible to get it with that charge off and those scores are pretty low FYI amex pulled EXPERIAN on my recent most zync application unfortunatly I don't know what my real score is on that but my plus score is 698, my real scores for EX and TU are 665 and 670 respectivly. Anyway it is a great card I think everyone should have it. People think i'm a rockstar when I whip it out lol. 

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I like that look for the card!! Have to stay strong and this in 2013!

[dude11]

I say screw it and apply for it. I was approved for the Zync with $500 w/auto pay with lower scores than you. Just keep in mind that YMMV. People with high scores have been declined as well as people with low scores.

[Anonymous]

Did you have a charge off too...with the very company for which you were applying! I'm sorry, but I really think that is a bad idea!

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@dude11 wrote:

I say screw it and apply for it. I was approved for the Zync with $500 w/auto pay with lower scores than you. Just keep in mind that YMMV. People with high scores have been declined as well as people with low scores.

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[dude11]

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@Anonymous wrote:
Did you have a charge off too...with the very company for which you were applying! I'm sorry, but I really think that is a bad idea!

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@dude11 wrote:

I say screw it and apply for it. I was approved for the Zync with $500 w/auto pay with lower scores than you. Just keep in mind that YMMV. People with high scores have been declined as well as people with low scores.

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Yes I had a few CO's on my CRs all paid for though. I even had a charge off with Amex before which I did pay them in full back in 2009. No collections on CRs. I was approved for the Zync last year in Feb.

[Brian_Trying_700]

I was denied by Amex with a credit score by Fico 652. They came back with a Zync $500.00 c/l if I had proof I had a checking account where they can take the money out every month. After the 6-12 month period the will make it unlimited spending. I had two baddies that were 6 years old. You have to get your foot in the door. They will do a hard pull if you are applying for your 1st Amex. If people have a Amex and apply for another one it counts as a soft pull. I would wait for you scores to go up.

[Ron1]

people have a Amex and apply for another one it counts as a soft pull. 

I have several Amex  cards and I got HP every time I applied for another card.

Ron.

[Ron1]

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@chromonso1 wrote:

Ya I think it'll be pretty much impossible to get it with that charge off and those scores are pretty low FYI amex pulled EXPERIAN on my recent most zync application unfortunatly I don't know what my real score is on that but my plus score is 698, my real scores for EX and TU are 665 and 670 respectivly. Anyway it is a great card I think everyone should have it. People think i'm a rockstar when I whip it out lol. 

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It is good looking when it is a new card. Mine got all kind of scratches by using the card.

Ron.