Should I apply for an American Express Zync

[vish1]

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@Anonymous wrote:

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@Anonymous wrote:

I just turned 18 and have a Capital One Standard Platinum ($300 limit), I have 3 inquires total. I am pretty new to credit but I heard that the Zync card was pretty easy to get. I always pay my bill off in full, so i think it would be a good option for me. Should I hold off for a while, or should I go and apply for it.

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After you've let your Cap One age a few (as in six) months, you might like to check the AmEx prequal link to see if you're prequal'd for any of their cards.  Might save you an inquiry - some folks think this is something of a good indicator of approval.

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I also feel that amex pre selector is a good indicator and the Amex rep told me that if you are pre selected, you stand a very good chance (not guaranteed though).

[Anonymous]

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@Anonymous wrote:

So does that mean that the Pre-Qualify link on Amex's website doesn't do a Hard Pull?

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That's correct - it's not a hard pull.

[Anonymous]

Oh ok, I'll have to do it in a couple of months then!

[smc733]

Do you shop a lot at Amazon?  I think the GEMB/Amazon store card would be a nice addition to your portfolio, would allow you to get 0% financing on school books for 6 months, etc...  Plus you'll have two accounts, not one, when apping with Amex, so you'll have more than one card showing, a definite plus.

[Anonymous]

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@smc733 wrote:

Do you shop a lot at Amazon?  I think the GEMB/Amazon store card would be a nice addition to your portfolio, would allow you to get 0% financing on school books for 6 months, etc...  Plus you'll have two accounts, not one, when apping with Amex, so you'll have more than one card showing, a definite plus.

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That's good to know!

[smc733]

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@Anonymous wrote:

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@smc733 wrote:

Do you shop a lot at Amazon?  I think the GEMB/Amazon store card would be a nice addition to your portfolio, would allow you to get 0% financing on school books for 6 months, etc...  Plus you'll have two accounts, not one, when apping with Amex, so you'll have more than one card showing, a definite plus.

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That's good to know!

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Yep, primarily the reason I have it!  The financing can be useful for other things, but next time I get hit with a $1,000 semester of books, I'll have a flexible 3-5 months to handle it.