Has anyone with $500 preset limit on their zync cards gotten approved with any other Amex charge cards? I'm debating if i should close my zync which will be 6 month old next month and then apply for green..then hopefully apply for their revolver .... I dont really like charge cards but if i can get green, i can try a revolver and itll be one pull
Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
i have one
apped for a bce in jan and got denied
didnt say anything about my zync
ive had mine since aug/september
kobe have you tried yet to app for another card? maybe you will be surprised
its a soft pull if denied
Need to cancel card before other apps will be approved.
@creditnocash wrote:i have one
apped for a bce in jan and got denied
didnt say anything about my zync
ive had mine since aug/september
kobe have you tried yet to app for another card? maybe you will be surprised
its a soft pull if denied
I applied for the green last month and got denied, was soft pull with a score from last december... the hard limit zync was not mentioned in the denial so am just confused on what I should do next... I really want a revolver are you gonna try to apply this month again???? i'll probably try one more time for the green.... if not approved, i'll cancel my zync when my last collection falls and then apply again for a charge card or maybe a revolver.. if all goes well...
@kobe2012 wrote:
@creditnocash wrote:i have one
apped for a bce in jan and got denied
didnt say anything about my zync
ive had mine since aug/september
kobe have you tried yet to app for another card? maybe you will be surprised
its a soft pull if denied
I applied for the green last month and got denied, was soft pull with a score from last december... the hard limit zync was not mentioned in the denial so am just confused on what I should do next... I really want a revolver are you gonna try to apply this month again???? i'll probably try one more time for the green.... if not approved, i'll cancel my zync when my last collection falls and then apply again for a charge card or maybe a revolver.. if all goes well...
probably not. my util is out of whack. and honestly dont feel like getting another card. i might apply next jan, as i have all the cards i need.
umm this could have something to do with denial and not the zync.
my reasons were
too many inquries in past 12 months
installment loan balances compared to amount too high
too many new accounts
the score they gave me was 721. so im not sure if thats a fako or not but whatever. my credit secure(amex credit score product) has gone up from 715 to 728 with a couple accounts aging past 6 months and a couple inquries aging past a year so anythings possible
once all my inquries age past a year, my aaoa will be about a year and a half and i think ill have a solid chance at a revolver in general with amex.
might just go for both another charge and another amex.
@Denny33142 wrote:I have the PSL Zync and have tried to apply for another product almost every month (It is a Soft so i don't really care), On one ocassion i did get the message that i was declined because i have the PSL Zync.
Considering that i now have an Experian Fico of 680 and that i have been an amex member for over 2 years i think i should have been at least pre-approved for another amex card by now, i honestly think that the reason is the zync.
Contrary to what people are saying i have never seen anyone with a PSL Zync get approved for another card.
im guessing by your old scores you have a bk reporting? or some serious derogs?
that could be the case?
they list a number of things with the first being the highest importance to the last being th lowest. (from what ive read on here)
once i pay off all my cards my scores should shoot into the low 700's on here
even when i had somewhat high util too me my amex pull was 721. but my eq from sw was like 660. (i still do)