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I received a preapproved offer in the mail for the Zync card, and figured I'd go ahead and apply for shiggles. Instant approval! I have some major lates from over 2 years ago (not that long ago, I thought) and a small paid collection (5 years old) on 2 of my reports. I'm really glad to be in! I know a lot of you hate AMEX, and especially the Zync card, but I couldn't be more thrilled! Now I just have to see what's better, my new Zync card or my 2 Navy Fed cards! For anyone interested, I had 3 inquiries this year, they pulled Experian (currently deployed, but used NC address) EX FAKO of 657, with FICOs EQ 664 and TU 706. Goodbye Orchard!
Congratulations!
Thank you!
Congratulations! I'm getting rid of Orchard too, and couldn't be happier.
Congrats!
@heatherbee wrote:I received a preapproved offer in the mail for the Zync card, and figured I'd go ahead and apply for shiggles. Instant approval! I have some major lates from over 2 years ago (not that long ago, I thought) and a small paid collection (5 years old) on 2 of my reports. I'm really glad to be in! I know a lot of you hate AMEX, and especially the Zync card, but I couldn't be more thrilled! Now I just have to see what's better, my new Zync card or my 2 Navy Fed cards! For anyone interested, I had 3 inquiries this year, they pulled Experian (currently deployed, but used NC address) EX FAKO of 657, with FICOs EQ 664 and TU 706. Goodbye Orchard!
Congrats!
Congrats!
There's nothing wrong with the Zync card. Its got a low AF and has the benefits that all Amex cards carry. The only negative is that it uses Membership Rewards Express instead of the regular Membership Rewards. If you're not a heavy spender this won't make a difference.
You can always product change later after developing a good history with Amex if you feel that you'd be better off with a standard Membership Rewards card.
What is the difference between Membership Rewards and Membership Rewards Express?
Congratulations!!!!!!!!!!! Hey, to paraphrase Tom Cruise, AMEX.........there is NO substitute
congrats with Amex!