topic Re: The Zync glitter is real! in Credit Cards

The Zync glitter is real!

gbishere — Sat, 13 Nov 2010 01:23:25 GMT

I never really made a thread but I applied for the zync and was approved after a WEEK long wait for manual review. I was approved on 11/02.

Received the card today and activated it online. I'm loving the online access. It all seems unreal to me. I never thought I was going to have an Amex for a very long time. To tell you the truth I was expecting an error or something when I activated. I just thought man did they make a mistake? LOL creditaddict can attest to this as I was private messaging him for advice the whole time. I didn't want to make a post till I knew it was for real!

I'm so very glad to be where I'm at.

Thank you myfico and all the people that have helped me achieve this phenomenal feat.

:smileyvery-happy:

Re: The Zync glitter is real!

mross1080 — Sat, 13 Nov 2010 01:51:25 GMT

Congrats! Its a great card. If you really want to be amazed put it under a black light!:smileysurprised: Its even cooler than the glitter.

Re: The Zync glitter is real!

jnydc — Sat, 13 Nov 2010 02:11:34 GMT

I just got mine today too...it is so glittery and pretty... It's very white though, and looks almost fake...but I love it!

Re: The Zync glitter is real!

ficonightmare — Sat, 13 Nov 2010 02:13:04 GMT

Grats gbishere :smileyhappy: It is nice to be in the Amex "Club".

I received mine today as well.

mross1080- I'm wondering why you think it's a great card?

I activated it online, went to check out the rewards and to be honest, I didn't see anything too good.

I was hoping to use it at WholeFoods, as that's the only place I really shop. Thought the ECO pack points would at least pay for the yearly fee. But when I did the math, my Citi dividend select worked out much better. Granted, I think everyone should get an Amex as early as possible, as you'll never know when the backdate on a new Amex may come in handy.. but other than that.. i dunno...

Am I missing something with the ZYNC?

Re: The Zync glitter is real!

mross1080 — Sat, 13 Nov 2010 02:24:25 GMT

I think its good for a few reasons.

1. Its looks really cool ( I get comments on it all the time)

2 . It has a lowest annual fee for a Amex charge product

3. Depending on what you use it for and charge a good amount the packs are great

4. All the Amex benefits (Warranty, Travel benefits, etc)

5. 10,000 Bonus points for opening. (Covers annual fee and then some for first year)

Thats what I can come up with. Theres more reasons but thats what stands out to me. I have a zync and a green. I use the zync for all my entertainment and the green for all my bills. The last couple months Ive flowed almost 4k a month through both. Just using a 1 to 1 ratio im getting great rewards points. I do get double points on a lot of purchases though. And lastly Citi hates me and I dont have any of there products:smileytongue:

Re: The Zync glitter is real!

ficonightmare — Sat, 13 Nov 2010 02:40:10 GMT

mross1080 wrote:
I think its good for a few reasons.
1. Its looks really cool ( I get comments on it all the time)
2 . It has a lowest annual fee for a Amex charge product
3. Depending on what you use it for and charge a good amount the packs are great
4. All the Amex benefits (Warranty, Travel benefits, etc)
5. 10,000 Bonus points for opening. (Covers annual fee and then some for first year)

Thats what I can come up with. Theres more reasons but thats what stands out to me. I have a zync and a green. I use the zync for all my entertainment and the green for all my bills. The last couple months Ive flowed almost 4k a month through both. Just using a 1 to 1 ratio im getting great rewards points. I do get double points on a lot of purchases though. And lastly Citi hates me and I dont have any of there products:smileytongue:

LOL.. that one is great! :smileyhappy:

10,000?? Mine said 5,000 and I think they're pending?? hmm.. need to check that again.

Citi doesn't love me either.. but they love my DH so I got AU.

Re: The Zync glitter is real!

joestay — Sat, 13 Nov 2010 02:36:15 GMT

I kind of want a zync card but I can't risk opening new accounts right now. Maybe after I buy a house, I will go on a credit card app spree.

Re: The Zync glitter is real!

mross1080 — Sat, 13 Nov 2010 02:40:13 GMT

I just checked the Amex site. It still says 10,000 bonus points. I dont know if it was 5k for a certain period but its 10k now. It takes about 2 months for the points to show up. It did for me! And it is the coolest card I have. When you hand it to someone most of the time it gets a second look:smileywink:

Re: The Zync glitter is real!

mommyof4 — Sat, 13 Nov 2010 02:51:32 GMT

OK! So I decided to see if I could also get the Zync and guess what???? I WAS APPROVED. I'm so excited. I didn't' think my scores were good enough to apply, but I had been reading everyone else's messages and said why not try? So I did! I can hardly wait for the 7-10 days for it to arrive. OH!!! And I have 3 CO on my report, one as early as 08. My current scores AR Eq 672 TU 679.

Thanks everyone for all the great info.

Re: The Zync glitter is real!

mross1080 — Sat, 13 Nov 2010 02:59:48 GMT

Congrats!

mommyof4 wrote:
OK! So I decided to see if I could also get the Zync and guess what???? I WAS APPROVED. I'm so excited. I didn't' think my scores were good enough to apply, but I had been reading everyone else's messages and said why not try? So I did! I can hardly wait for the 7-10 days for it to arrive. OH!!! And I have 3 CO on my report, one as early as 08. My current scores AR Eq 672 TU 679.

Thanks everyone for all the great info.

Re: The Zync glitter is real!

ficonightmare — Sat, 13 Nov 2010 03:01:09 GMT

Congrats mommyof4!

Re: The Zync glitter is real!

iluvmyfico — Sat, 13 Nov 2010 03:29:52 GMT

Just to add to why the Zync card is so great. It's a charge card, not a credit card. Your credit card should have better rewards as they are charging you interest. I use mine as I would my debit card and I can tell u that the rewards are a lot better than any debit card I know. The card is easy to get (for now) and it let's you establish a relationship with American Express which by all accounts is very important to them. I just got the SPG Card and honestly I think I would of been declined if I did not start with the Zync. My favorite part tho is the customer service.

Re: The Zync glitter is real!

ShootingStar — Sat, 13 Nov 2010 03:34:45 GMT

Congrats Mommyof4!!! Are your COs paid? How old were the others? That's amazing!

Re: The Zync glitter is real!

ficonightmare — Sat, 13 Nov 2010 03:38:44 GMT

iluvmyfico wrote:
Just to add to why the Zync card is so great. It's a charge card, not a credit card. Your credit card should have better rewards as they are charging you interest. I use mine as I would my debit card and I can tell u that the rewards are a lot better than any debit card I know. The card is easy to get (for now) and it let's you establish a relationship with American Express which by all accounts is very important to them. I just got the SPG Card and honestly I think I would of been declined if I did not start with the Zync. My favorite part tho is the customer service.
That's a very good way of looking at it. Never thought of it that way.

This is why I love this forum. Constantly learning something new.

Re: The Zync glitter is real!

mommyof4 — Sat, 13 Nov 2010 03:50:35 GMT

@ShootStar, two are paid off ( actually waiting for one of the paid to be removed) the other one that is remaining is not paid is due to fall off 6/11.

Re: The Zync glitter is real!

mommyof4 — Sat, 13 Nov 2010 03:54:25 GMT

@ iluvmyfico, that's exact;y how I use any of my cards. Once I use it, I pay in full every month with the exception of maybe one. I would allow to one to show a small balance. My actual Total Util is only 2%.

Re: The Zync glitter is real!

evohuntinwrx — Sat, 13 Nov 2010 04:46:05 GMT

I had a Premier Rewards Gold AU, just got a approved for a Zync like three weeks ago. I love it.

Treat AMEX well, and they will (most likely) treat you well too :P

Congrats on the card!

Re: The Zync glitter is real!

gbishere — Sat, 13 Nov 2010 05:11:02 GMT

Well this thread was two pages long and I was like woah who all posted.

Anyways I like my zync because

of the extra year warranty

use it at costco

the prestige ( not going to lie :-) )

congrats on everyone else who got it right after veterans day :-)

Re: The Zync glitter is real!

MAstudent07 — Sat, 13 Nov 2010 05:32:05 GMT

Congrats all for your successes. Here is my story. I called this morning as I was interested in product changing from Green to Zync, and the rep informed me that I had to flat out apply. I asked, "I can't product change from one charge card to another?" She then told me twice that the Zync card is not a charge card. She also said that with the Green I could use my rewards for travel and the Zync I cannot, therefore, product change was not available. I always thought the Zync was a charge card.

I don't want to pay the annual fee on the Green, and I mentioned that to the rep, and she suggested Blue versus Zync. So my rewards could transfer over to the Blue and it won't cost me a thing. Still have until March to decide which route to take. Blue or Zync. Thoughts? BTW I dislike the color of the Zync!

Re: The Zync glitter is real!

JM-AM — Sat, 13 Nov 2010 05:46:42 GMT

The ZYNC you have to buy packages for the different benefits. Thinking from the CSR's point of view the basic ZYNC does not have the same rewards as the GREEN, unless you upgrade with the packages which cost additional fee's. Do not know why wouldn't be considered a charge card as it has to be paid in full just the same. With AMEX anything is possible, they change things around so much. Besides upgrading to the BLUE is a better card then ZYNC and no fee with-out losing the benefits of the card you have now.

Applying for a card or changing your present card because of how a card looks really isn't beneficial. I can't say I have never done this, but I have learned if the card is not beneficial to me and my spending habits, there really is no need for it.

Just my 3 cents.