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Thanks for all the help getting my credit cleaned up, everyone on this forum is very helpful and informative. I just got approved for my first AMEX card I applied forthe ZYNC card an hour ago and said in progrss I though oh no I'm going to be denied!! I called and they just needed to verify that it was me since I have fraud alets and states to call me for new credit I guess I didn't give them enough time to call me!! My score were EQ701 EX704 TU739 I guess there fakos I have the Equifax credit monitoring service. No collection on TU or EQ 1 chargeoff unpaid reporting on all three 1 paid state tax lien on EX and 2 med collection on EX my EX is the worst report but I had no inquiries on there so thats why i decided to apply. I started here in dec08 almost 2 years ago with scores in low 450's on all reports and I finally made it to 700 club. I was approved for barclay choice privileges 2500.00 limit last month so that was also exciting!!
Thanks all for support and encouraging/inspirational postings!!
Congrats! And welcome to the Zync family. I've had my card since middle of August and I love it. Use it responsibily and it will surely open the door to other Amex products such as their revolving credit cards 6month-1yr from now!
Has anyone seen an instant approval for this card? Last time I applied, I called and they said all Zync applications are sent to their CBO department, whatever that means...
I think from the many many post that i read before I applied were instant approvals ,mine was not because of my fraud alert the number that I called was provided after I submitted app. and it said in progress, so I decided to call and it was the account review dept. so when I called they hadn't actually approved it yet he said he had to hang up and call me back on the phone number that I provided on credit report for fraud alert then he said give him a few seconds to review and said I was approved and explained some benefits and that was it. Hope that helps. I dont know what report they pulled yet. But if it was EX I had some baddies and a paid tax lien.