Credit Cards

[HankNY]

I have Amex Zync and BCP, both w annual fee but neither account has been charged with it. Do they charge it end of the year  or first statement ? Please help

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[trumpet-205]

They charge it at the first statement.

[gettnthere]

Ive had my Zync card for three months now and I have not been billed for the annual fee so im assuming it will be after the 1 year is up.

[trumpet-205]

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gettnthere wrote:

Ive had my Zync card for three months now and I have not been billed for the annual fee so im assuming it will be after the 1 year is up.

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New Zync cardholder has first year AF waived.

[jsucool76]

I was under the impression it gets added on to your first statement. Did you apply through some sort of special offer with a waived first AF? 

It will most likely show up at the end of your first month or the beginning of the second. Trust me, they won't forget to charge you xD

[gettnthere]

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trumpet-205 wrote:

They charge it at the first statement.

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hmmm thats odd, i still havent been charged on my ZYNC yet and the 3rd statement just cut yesterday. i wonder whats up with that?

[trumpet-205]

It will be extremely dumb on AMEX behalf to charge AF at the end of each year. All lenders charge AF at your first statement.

[gettnthere]

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trumpet-205 wrote:

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gettnthere wrote:

Ive had my Zync card for three months now and I have not been billed for the annual fee so im assuming it will be after the 1 year is up.

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New Zync cardholder has first year AF waived.

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HAHAHAHAHAa you are absolutely correct lol i forgot about that...boy i look like a big dummy now haha

[gettnthere]

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trumpet-205 wrote:

It will be extremely dumb on AMEX behalf to charge AF at the end of each year. All lenders charge AF at your first statement.

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lol very true. my brain must have taken an off day today

[HankNY]

I do not recall Zync fee. I just applied because I wanted to re-establish my relationship with them and it was the easiest to get approved. But BCP which I applied for last month had 150 spend 1000 in 3 months. I do not believe it had AF waived on it.