- Posts: 1
- Joined: Tue Jul 26, 2011 2:23 pm
- Location: United States
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.