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Written by: locnguyun on 2010-07-19

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locnguyun's review: Callout Comment 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.


Comment 1 by wanderer
Re: Approved User Icon on 2010-07-19

Remarks Congrats! You are building a solid foundation of quality credit products.
Comment 2 by thomas1
Re: Approved User Icon on 2010-07-19

Remarks 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 User Icon on 2010-07-19

Remarks Congratulations !!! What reward packages did you pick when you applied ?
Comment 4 by locnguyun
Re: Approved User Icon on 2010-07-19

Remarks 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 User Icon on 2010-07-19

Remarks 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 User Icon on 2010-07-20

Remarks 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 User Icon on 2011-04-06

Remarks @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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