Starting with Zync to work up to Centurion

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
9 posts
Strling
Green Member
Green Member
 
Posts: 4
Joined: Thu Feb 24, 2011 10:10 pm
Location: Salt Lake City, Utah

Starting with Zync to work up to Centurion

Postby Strling » Thu Feb 24, 2011 10:24 pm

I want the Zync card, so that I can get my foot in their door and start working my way up to the Centurion Card.. I have high ambitions. lol (Investment Banking - I'm not just another kid who wants a black card but has no plan.) Anway! I checked a week ago and my Experian is 693, I am only 19 though. Turning 20 in May and my credit report is clean as can be! I am an authorized user on parents Blue Sky account with my own card, I have had it for two months and have always payed it off in full. I applied a year ago when I was first establishing my credit and I was around 620 and got rejected.. Very sad day. Will I be okay applying again? or should I wait a few months, until I'm 20 and give my credit a chance to tip above 700? Any advice will be greatly appreciated! Thank you.


Keysmasher
Gold Member
Gold Member
 
Posts: 36
Joined: Sun Oct 10, 2010 10:02 am
Location: Texas

Postby Keysmasher » Fri Feb 25, 2011 12:49 pm

You should be able to get a Zync provided you do not have any charge-offs or collections. The only real requirements for a Zync appear to be 18+ and the aforementioned. If you somehow get denied for a Zync you should call up American Express and ask for reconsideration.

good luck! and by the way, what card did you apply previously?

machine
 
Posts: 2
Joined: Fri Feb 25, 2011 1:29 am
Location: California

Postby machine » Fri Feb 25, 2011 3:22 pm

Strling, if you decided to reapply, let us know your result if you get approved or not.

I'm also interested in this. I have 5 years of credit history and recently applied for the AMEX Blue Sky and got approved.

Let us know!
[AMEX:Blue Sky] [BofA:BankAmericard] [Capital One:Sony Rewards] [Citi:Citi Forward]
[Discover: Discover More]

As of 2/25/11
FICO TU: 735
FICO Equifax: 753

Strling
Green Member
Green Member
 
Posts: 4
Joined: Thu Feb 24, 2011 10:10 pm
Location: Salt Lake City, Utah

Postby Strling » Fri Feb 25, 2011 4:35 pm

I applied for the Zync late last summer and got denied, though I had recently opened an auto loan in July and had only made 1 or 2 payments on it and I had more than 50% of my $200 line of credit used up. but now I have less than 10% used up on my $1500 credit line and have had the auto loan for some time with perfect payment history. Would I be better off applying over the phone with a representative or online through my existing account?

User avatar
alsteig
Platinum Member
Platinum Member
 
Posts: 95
Joined: Sun May 23, 2010 5:28 pm
Location: San Diego, CA USA

Postby alsteig » Fri Feb 25, 2011 5:31 pm

Strling wrote:I applied for the Zync late last summer and got denied, though I had recently opened an auto loan in July and had only made 1 or 2 payments on it and I had more than 50% of my $200 line of credit used up. but now I have less than 10% used up on my $1500 credit line and have had the auto loan for some time with perfect payment history. Would I be better off applying over the phone with a representative or online through my existing account?


I would apply with the phone rep. They can help you in putting an application through, that otherwise wouldn't with just an online app. also you should know instantly with a phone rep.

Strling
Green Member
Green Member
 
Posts: 4
Joined: Thu Feb 24, 2011 10:10 pm
Location: Salt Lake City, Utah

Postby Strling » Fri Feb 25, 2011 6:24 pm

I just called them to re-apply and the told me that by law they aren't allowed to do applications over the phone for anyone under the age of 21, so the guy told me to go online and apply.

Strling
Green Member
Green Member
 
Posts: 4
Joined: Thu Feb 24, 2011 10:10 pm
Location: Salt Lake City, Utah

Postby Strling » Fri Feb 25, 2011 7:01 pm

I just got instantly approved online! :) With a credit score of 693 and an employed student income of $12,000.00 a year. Aahhh bliss. :)

websteth
Centurion Member
Centurion Member
 
Posts: 279
Joined: Sun Dec 05, 2010 10:40 am
Location: Florida

Postby websteth » Sat Feb 26, 2011 8:53 am

Congrats on getting approved! I love my Zync card and it really showed me that the charge card is the way to go. Good luck on your ambitions.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
Other:Macy's Star Rewards, Target REDCard

robbrock
 
Posts: 2
Joined: Mon Aug 09, 2010 11:58 pm
Location: Los Angeles

Postby robbrock » Sat Mar 05, 2011 4:33 am

Congrats! on your approval



Return to “American Express”

Who is online

Users browsing this forum: No registered users and 1 guest