- Green Member
- Posts: 6
- Joined: Sun Jul 11, 2010 11:23 pm
- Location: USA
From what I can gather, Zync is for those starting out in life, but probably not just starting out with credit. After reading everything I could find, it appears that American Express is looking for the beginning of a good credit history. In my case, I have had a bank installment loan and also a credit card for about a year, with no late payments.
Before I applied for the Zync card, I had my mother apply for the Gold card and order one under my name as well. According to an American Express service representative, having a card with your name on it helps build an in-house history with them, even if you aren't the primary cardmember.