"Approved"
Zync from American Express® Review
Written by: locnguyun on 2010-07-19
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
locnguyun's review: 
Well I thought it would be an appropriate time for me to submit an application with AMEX despite my short credit history and 20 years of age. Fortunately, I was approved for the new ZYNC and will be receiving it within 7-10 business days. This would be my second credit card along with my wonderful VISA BankAmericard from Bank of America.
Well I thought it would be an appropriate time for me to submit an application with AMEX despite my short credit history and 20 years of age. Fortunately, I was approved for the new ZYNC and will be receiving it within 7-10 business days. This would be my second credit card along with my wonderful VISA BankAmericard from Bank of America.
7 Comments
Comment 1 by wanderer
Re: Approved 
on 2010-07-19
Congrats! You are building a solid foundation of quality credit products.
on 2010-07-19 Congrats! You are building a solid foundation of quality credit products.
Comment 2 by thomas1
Re: Approved on 2010-07-19
Congrats on your approval! Please post your current credit scores and which bureau was pulled for other forum members.
It helps those who may be interested in applying for this card in the future.
on 2010-07-19 Congrats on your approval! Please post your current credit scores and which bureau was pulled for other forum members.It helps those who may be interested in applying for this card in the future.
Comment 3 by kdb030609
Re: Approved on 2010-07-19
Congratulations !!! What reward packages did you pick when you applied ?
on 2010-07-19 Congratulations !!! What reward packages did you pick when you applied ?
Comment 4 by locnguyun
Re: Approved on 2010-07-19
Im not sure what my current FICO or Credit scores are. However, I did check my credit score approximately 5 months ago with all three exp= 748 trans= 753 equ=760 and my Debt Ratio is always under 30% because I pay off my monthly balance every month. Therefore, my FICO score and credit score must be in the Tier One credit score right now. For as choosing my ZYNC applications, I stayed with the basic rewards $25 for now because I'm not exactly sure what would be the most desirable one yet. Also, American Express is currently offering 10,000 points for the new ZYNC once you make your first purchase.
on 2010-07-19 Im not sure what my current FICO or Credit scores are. However, I did check my credit score approximately 5 months ago with all three exp= 748 trans= 753 equ=760 and my Debt Ratio is always under 30% because I pay off my monthly balance every month. Therefore, my FICO score and credit score must be in the Tier One credit score right now. For as choosing my ZYNC applications, I stayed with the basic rewards $25 for now because I'm not exactly sure what would be the most desirable one yet. Also, American Express is currently offering 10,000 points for the new ZYNC once you make your first purchase.
Comment 5 by nogiblue
Re: Approved on 2010-07-19
How long is your credit history ? What is your credit limit on your BoA credit card ? I am really interested in applying for this card but am holding off due to short credit history..
on 2010-07-19 How long is your credit history ? What is your credit limit on your BoA credit card ? I am really interested in applying for this card but am holding off due to short credit history..
Comment 6 by locnguyun
Re: Approved on 2010-07-20
I've had a credit card since I was 17, so that makes it 3 years of credit history. For my Bank of America, they gave me a credit increase after 1 year of credit history from $700 to now $3000, ever since I never ask for more credit because I don't want hard inquiries unless I need it. Other than that, I never missed a payment, balance is paid off monthly with balance ranging from 0% to 15% at max and only apply for any type of credit when it's necessary. Just follow the simple steps, then you should have no problems of having Tier one credit score and the opportunities of getting credit without problem.
on 2010-07-20 I've had a credit card since I was 17, so that makes it 3 years of credit history. For my Bank of America, they gave me a credit increase after 1 year of credit history from $700 to now $3000, ever since I never ask for more credit because I don't want hard inquiries unless I need it. Other than that, I never missed a payment, balance is paid off monthly with balance ranging from 0% to 15% at max and only apply for any type of credit when it's necessary. Just follow the simple steps, then you should have no problems of having Tier one credit score and the opportunities of getting credit without problem.
Comment 7 by bc8787
Re: Approved on 2011-04-06
@nogiblue- you should apply for the BOA cash rewards card! I have it and it is one of my favorite cards. Good credit line ($9,000) and friendly customer service.
on 2011-04-06 @nogiblue- you should apply for the BOA cash rewards card! I have it and it is one of my favorite cards. Good credit line ($9,000) and friendly customer service.
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Disclaimer: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. Review content is powered by Finance Globe.
