What's my chance of getting approved for Zync?

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What's my chance of getting approved for Zync?

Postby altayar » Thu Jun 30, 2011 12:56 am


I have read some of the threads here about the new Zync card. It immediately got my attention.

I have applied for a secured credit card seven months ago and was approved. I've been trying to establish a good credit score since then. The first few months I was able to get my score from 0 up to 729! But then got some offers from American Express luring me to apply (and since I didn't know then that I would be rejected I applied!) .. got rejected of course and that ruined my score .. now I'm at 651 !

So what kind of chance do I have with the Zync? Is it a good to establish a better credit score?
Is there a limit score to be able to apply for this card a be approved?

Thank you.. appreciate your help.


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Postby Meltdownblitz » Thu Jun 30, 2011 9:12 am

Seems like you have limited credit history, personally I'd say having at least an account of 2 years should get you in if you've been paying on time, no collections, etc. I got the zync recently with my credit score at 670s, now mine is over 700. I've also hear that it's good to have very few inquires with applying with Amex. Btw they pull experian, might want to make sure you check your experian score. I'd say you should have a fair chance getting the zync if you had a credit history of at least a year or 2 and a few major credit cards, but if you're only had one for 7 months and not even an unsecured credit card then I doubt you'd get approved. Don't take my word for it, I'm new to this credit thing as well. Maybe someone else can chip in.

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Postby Mogul of Pineapples » Wed Jul 13, 2011 7:54 pm

There have been plenty of 18 and 19 year olds with little history (and scores in the mid to upper 600s) reporting approval on this forum in early 2011 and late 2010. Things may have changed then, as American Express is definitely shifting emphasis away from this card lately that is for sure.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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Postby amc0913 » Tue Jul 26, 2011 2:33 pm

I'm 20 years old with a 21-month-old credit history and I just got approved for Zync a week ago. My scores are around 685 to 691 (TransUnion; the only one I know for sure as of now). I started my credit, unfortunately, with student loans, then got added as an authorized user on my mom's credit card. In May, I got approved on my own for a Citi student card, and I tried for Amex Blue at the end of June. I got denied, then waited the 30 days to apply for Zync. I had to call them to verify my income (not much!), and then they approved me! So they must still be pretty open to who they'll give a Zync card to if I managed to get one!

So, given what I've gone through, I'd wait until you have at least a year and a half of credit history (18 months) before applying for Zync. It's definitely the easiest Amex card to get. In the meantime, try and find an unsecured card, maybe through CapitalOne, targeted at people trying to build/rebuild credit. Make sure you pay at least the minimum each month, pay in full if you can, and once you hit 18 months, give it a try.

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