"My First American Express"
Zync from American Express® Review
Written by: joeyman on 2010-10-07
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
joeyman's review: 
I was instantly approved for the Zync card from American Express. This is my first AMEX, I really wanted the Blue Cash but I felt like my chances of being approved were lower than the Zync. My Equifax score was 702; Experian was somewhere around 710-730; and Transunion was unknown. My utilization was below 1% with 24 months credit history on my oldest account. I am 20 years old with currently 3 credit cards; Unitus CCU $1k limit; Capital One $1.5k limit; and Elan financial services card, $1.4k limit. The Zync will be my 4th card. I had 8 hard inquiries on my Experian report (none within the last 6+ months), and my other reports had 4-7 each.
I choose the following packs:
Eco - FREE
Personal Finance - FREE
Connect (mobile phone, cable, internet, etc.) - $20
Family Travel - FREE
I hope to get a Blue Cash in about six months! I can't believe I was instantly approved... Maybe I should have went for the Blue Cash now? LOL!
I was instantly approved for the Zync card from American Express. This is my first AMEX, I really wanted the Blue Cash but I felt like my chances of being approved were lower than the Zync. My Equifax score was 702; Experian was somewhere around 710-730; and Transunion was unknown. My utilization was below 1% with 24 months credit history on my oldest account. I am 20 years old with currently 3 credit cards; Unitus CCU $1k limit; Capital One $1.5k limit; and Elan financial services card, $1.4k limit. The Zync will be my 4th card. I had 8 hard inquiries on my Experian report (none within the last 6+ months), and my other reports had 4-7 each. I choose the following packs:
Eco - FREE
Personal Finance - FREE
Connect (mobile phone, cable, internet, etc.) - $20
Family Travel - FREE
I hope to get a Blue Cash in about six months! I can't believe I was instantly approved... Maybe I should have went for the Blue Cash now? LOL!
11 Comments
Comment 1 by locnguyun
Re: My First American Express 
on 2010-10-07
Wow congrats man! Lol are you my identical credit brother?!? I'm 20 with similar credit score, history and my initial card was the blue! But I knew the Zync would be an easy Approval. My other plan was to get my foot in the door then wait 6 months to apply for the blue as well! Wow this is too cool. I have a twin credit brother. Again congrats!
on 2010-10-07 Wow congrats man! Lol are you my identical credit brother?!? I'm 20 with similar credit score, history and my initial card was the blue! But I knew the Zync would be an easy Approval. My other plan was to get my foot in the door then wait 6 months to apply for the blue as well! Wow this is too cool. I have a twin credit brother. Again congrats!
Comment 2 by joeyman
Re: My First American Express on 2010-10-07
Thanks "bro!" Heh... I am so happy, can't wait for the card to come in the mail. I work nights and now I can't wait for this night to be over! About to have five days off! And the feeling of getting that approval is nice. I feel like its even improved my work performence?!?
on 2010-10-07 Thanks "bro!" Heh... I am so happy, can't wait for the card to come in the mail. I work nights and now I can't wait for this night to be over! About to have five days off! And the feeling of getting that approval is nice. I feel like its even improved my work performence?!?
Comment 3 by locnguyun
Re: My First American Express on 2010-10-07
Also, I've had this card for nearly 3 months now. The rewards are not the greatest & it would take forever for a student like me to rack up any points if at all. For instance, you would literally have to spend $10000 just to redeem a $50 giftcard. Besides the rewards, I really enjoy using this card. Amex has extreme customer service representatives and other online programs. Once I graduate from college I'll gradually upgrade from zync to gold then one day to platinum. For now, I'll enjoy using this card at fine dinings. Welcome to AMEX, I hope you will enjoy this card as much as I do.
on 2010-10-07 Also, I've had this card for nearly 3 months now. The rewards are not the greatest & it would take forever for a student like me to rack up any points if at all. For instance, you would literally have to spend $10000 just to redeem a $50 giftcard. Besides the rewards, I really enjoy using this card. Amex has extreme customer service representatives and other online programs. Once I graduate from college I'll gradually upgrade from zync to gold then one day to platinum. For now, I'll enjoy using this card at fine dinings. Welcome to AMEX, I hope you will enjoy this card as much as I do.
Comment 4 by joeyman
Re: My First American Express on 2010-10-07
I spend about $1k/month - it's good to know the rewards suck. I'll keep working towards the Blue Cash. :)
on 2010-10-07 I spend about $1k/month - it's good to know the rewards suck. I'll keep working towards the Blue Cash. :)
Comment 5 by locnguyun
Re: My First American Express on 2010-10-07
Well there you go, the rewards would benefit you more since you're a bigger spender. For me, my bankamaericard and Amex accelerated rewards gives me 1.25 points on all purchases. I can redeem it for cash giftcards or anything I like, it's a really nice rewards program from bofa. It's something you might want to consider if you want good rewards without paying an annual fee. That's just my 2 cent.
on 2010-10-07 Well there you go, the rewards would benefit you more since you're a bigger spender. For me, my bankamaericard and Amex accelerated rewards gives me 1.25 points on all purchases. I can redeem it for cash giftcards or anything I like, it's a really nice rewards program from bofa. It's something you might want to consider if you want good rewards without paying an annual fee. That's just my 2 cent.
Comment 6 by wanderer
Re: My First American Express on 2010-10-07
Congrats! Awesome... The foot is in the door! Feels good!
on 2010-10-07 Congrats! Awesome... The foot is in the door! Feels good!
Comment 7 by eugene66
Re: My First American Express on 2010-10-07
Way to go! You finally got a piece of the pie lol.
on 2010-10-07 Way to go! You finally got a piece of the pie lol.
Comment 9 by colonative
Re: My First American Express on 2010-10-07
Congrats Joey. I got my first Amex at 20 also. And that really helped when 9 years later I opened a Blue card and it reports as being opened in 1999. Amex is great despite what others may say and you will really enjoy being a cardholder!
on 2010-10-07 Congrats Joey. I got my first Amex at 20 also. And that really helped when 9 years later I opened a Blue card and it reports as being opened in 1999. Amex is great despite what others may say and you will really enjoy being a cardholder!
Comment 10 by joeyman
Re: My First American Express on 2010-10-11
American Express pulled Experian, I know they did not pull Equifax, however, TransUnion remains unknown.
on 2010-10-11 American Express pulled Experian, I know they did not pull Equifax, however, TransUnion remains unknown.
Comment 11 by madcowz57
Re: My First American Express on 2011-02-10
Amex approved me for this card and a Blue Cash card at the same time. Still waiting for it in the mail...:(
on 2011-02-10 Amex approved me for this card and a Blue Cash card at the same time. Still waiting for it in the mail...:(
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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.
