amex zync questions

[rootpooty]

I understand that this card is mostly npsl but if it gets set at a hard limit say 500 with auto pay, what is auto pay? where you set up reaccuring payment through your checking account to pay the card automatically?  It seems the zync is the way in with amex for starters correct? I just though of something, all the cc's I have either pulled tu and eq and I have zero inquiries on ex. I only have 9 mos credit history though with 3 cc's reporting in excellent standing.  Should I apply or just spray my app itch with anti itch lol? Im opted out so I dont come up under the prequal

[Anonymous]

Haahaa love your quote given your post. What's your fico at and is that reported util optimized? Amex will pull experian for charge cards so that is good for you. You got the autopay thing right. The hard limit is usually given if truly borderline case for Amex.

[Anonymous]

Stop spamming. Op, I have opposite problem as all my inquiries seem to be on experian. Function of historical nature of geography of cra I guess.

[rootpooty]

fico 2 mos ago was 680's tu 670's. last month was mid 650's on both due to 40% util (i let a balance on boa report) so im thinking i should wait till after reports are in for june to report around 5% which will happen. Nfcu just gave me an additional 1,000 so that should help with my util

[Anonymous]

Yeah wait. See if you can get ideal util to report or as close as your finances will allow (you know ideal util right?). I think you have decent chance. If reejected, wait till cc hit 1 year and apply again

[rootpooty]

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@Anonymous wrote:
Stop spamming. Op, I have opposite problem as all my inquiries seem to be on experian. Function of historical nature of geography of cra I guess.

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might depend on your location. when i was new to credit and went applying for anything to start with i apped with boa, chase, citi, discover and navy federal. navy pulled tu and eq, boa did tu chase did tu citi did eq and discover did eq

[rootpooty]

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@Anonymous wrote:
Yeah wait. See if you can get ideal util to report or as close as your finances will allow (you know ideal util right?). I think you have decent chance. If reejected, wait till cc hit 1 year and apply again

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ideal util would be 5-9% on one card leave others at zero correct?

[Anonymous]

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@rootpooty wrote:

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@Anonymous wrote:
Yeah wait. See if you can get ideal util to report or as close as your finances will allow (you know ideal util right?). I think you have decent chance. If reejected, wait till cc hit 1 year and apply again

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ideal util would be 5-9% on one card leave others at zero correct?

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1-9. Exact number different for different people. But you are correct