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The AMEX Zync Approval Thread

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Anonymous
Not applicable

Re: The AMEX Zync Approval Thread

Was just approved instantly online for the Zync... think I should try a revolver since it's the same day and a possible SP?Smiley Happy

Message 11 of 30
LS2982
Mega Contributor

Re: The AMEX Zync Approval Thread


@Anonymous wrote:

Was just approved instantly online for the Zync... think I should try a revolver since it's the same day and a possible SP?Smiley Happy


Congrats!!!

 

Wouldn't hurt since it is a SP!




EQ FICO 548 3/3/16
Message 12 of 30
Anonymous
Not applicable

Re: The AMEX Zync Approval Thread

It worked! BCE Approved w/ 2500 CL!!!!!! maybe I should stop the app spree now.... or continue with Discover? Will AMEX be weird about that?

Message 13 of 30
Brian_Trying_700
Frequent Contributor

Re: The AMEX Zync Approval Thread

Not for me. I had 2 different reports pulled for me. "Amex & Discover".

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 14 of 30
LS2982
Mega Contributor

Re: The AMEX Zync Approval Thread


@Anonymous wrote:

It worked! BCE Approved w/ 2500 CL!!!!!! maybe I should stop the app spree now.... or continue with Discover? Will AMEX be weird about that?


BIG CONGRATS!!!!

 

HAPPY DANCE!!!!

 




EQ FICO 548 3/3/16
Message 15 of 30
JenniferinFL
Frequent Contributor

Re: The AMEX Zync Approval Thread

My husband was recently approved for Zync, though it looks like they pulled Experian. Applied for a revolved same day and got declined, said his credit score with experian was 689, so apparently it hadn't updated my last credit card balance yet. Also said balances on cards were too high, so, must have been before Experian updated.

Estimated income for this year is only around $26,000. He got NPSL, but my authorized user card had a $250 limit when I activated it, but went to NPSL after his was activated. SO, now I'm really confused.. lol

 

Additionally he had 11 inqs, but no other baddies.

 

They're so pretty and sparkly.. Smiley Happy

 

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


Message 16 of 30
Anonymous
Not applicable

Re: The AMEX Zync Approval Thread


@JenniferinFL wrote:

My husband was recently approved for Zync, though it looks like they pulled Experian. Applied for a revolved same day and got declined, said his credit score with experian was 689, so apparently it hadn't updated my last credit card balance yet. Also said balances on cards were too high, so, must have been before Experian updated.

Estimated income for this year is only around $26,000. He got NPSL, but my authorized user card had a $250 limit when I activated it, but went to NPSL after his was activated. SO, now I'm really confused.. lol

 

Additionally he had 11 inqs, but no other baddies.

 

They're so pretty and sparkly.. Smiley Happy

 

 

 

Is that 11 inq on EXP alone???

Message 17 of 30
LS2982
Mega Contributor

Re: The AMEX Zync Approval Thread


@JenniferinFL wrote:

My husband was recently approved for Zync, though it looks like they pulled Experian. Applied for a revolved same day and got declined, said his credit score with experian was 689, so apparently it hadn't updated my last credit card balance yet. Also said balances on cards were too high, so, must have been before Experian updated.

Estimated income for this year is only around $26,000. He got NPSL, but my authorized user card had a $250 limit when I activated it, but went to NPSL after his was activated. SO, now I'm really confused.. lol

 

Additionally he had 11 inqs, but no other baddies.

 

They're so pretty and sparkly.. Smiley Happy

 



They are known to issue temporary hard limits at first then releasing them once the card is activated so your fine!




EQ FICO 548 3/3/16
Message 18 of 30
JenniferinFL
Frequent Contributor

Re: The AMEX Zync Approval Thread

 


@Anonymous wrote:

@JenniferinFL wrote:

My husband was recently approved for Zync, though it looks like they pulled Experian. Applied for a revolved same day and got declined, said his credit score with experian was 689, so apparently it hadn't updated my last credit card balance yet. Also said balances on cards were too high, so, must have been before Experian updated.

Estimated income for this year is only around $26,000. He got NPSL, but my authorized user card had a $250 limit when I activated it, but went to NPSL after his was activated. SO, now I'm really confused.. lol

 

Additionally he had 11 inqs, but no other baddies.

 

They're so pretty and sparkly.. Smiley Happy

 

 

 

Is that 11 inq on EXP alone???



I'm not completely sure, I'm going off of the credit pulls from our mortgage company. There's 4 on one, 2 on another and a whopping 10 (not 11, oops) on the other. Since Experian is his lowest score and the information is identical except for inquiries, I assumed that ugly group of 10 was on Experian. They're all from mortgage or car loan shopping other then the new inq from Amex

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


Message 19 of 30
JenniferinFL
Frequent Contributor

Re: The AMEX Zync Approval Thread


@LS2982 wrote:

@JenniferinFL wrote:

My husband was recently approved for Zync, though it looks like they pulled Experian. Applied for a revolved same day and got declined, said his credit score with experian was 689, so apparently it hadn't updated my last credit card balance yet. Also said balances on cards were too high, so, must have been before Experian updated.

Estimated income for this year is only around $26,000. He got NPSL, but my authorized user card had a $250 limit when I activated it, but went to NPSL after his was activated. SO, now I'm really confused.. lol

 

Additionally he had 11 inqs, but no other baddies.

 

They're so pretty and sparkly.. Smiley Happy

 



They are known to issue temporary hard limits at first then releasing them once the card is activated so your fine!


Ah, that would explain it then... Thanks!

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


Message 20 of 30
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