I just applied for Zync last night, but didn't get an instant approval. How long til I hear the application status? Should I call American Express?
I'm 21 with a few open lowish limit accounts. My utilization is somewhat high (80% on one account and 40% on another, but like 2% on my last one), but that is purely because I prefer credit and every account is paid in full monthly. I've never missed a payment or anything like that. I've also got a small personal loan on my record from my credit union for car repairs late last year, and it is getting paid off rapidly and will be done early. I applied for the blue card awhile back, but was declined. Considering that I absolutely always pay in full, the zync really caught my eye, so I'm hoping I can grab it. Would calling American Express help my chances at all, or should I just wait a few more days on the status? I don't EXPECT my application to be approved either way since I'm young and my credit profile isn't even quite a year old yet, but this card would really be nice to have.