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AMEX ZYNC!

Established Contributor

AMEX ZYNC!

I did something bad today and stepped out of the garden.... i applied for Zync and only got $500 preset limit Smiley Embarassed... am happy I finally got my foot in the door after three tries in 6 months... i applied two months ago!!!! Now, would I ever get the hard limit removed??? I really don't wanna get stuck with another $500 limit card (but it is AMEX after all)..... what are the chances of me getting approve for their revolver????? am super happy cause this means my credit is getting a lot better....


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
25 REPLIES
Valued Contributor

Re: AMEX ZYNC!


kobe2012 wrote:

I did something bad today and stepped out of the garden.... i applied for Zync and only got $500 preset limit Smiley Embarassed... am happy I finally got my foot in the door after three tries in 6 months... i applied two months ago!!!! Now, would I ever get the hard limit removed??? I really don't wanna get stuck with another $500 limit card (but it is AMEX after all)..... what are the chances of me getting approve for their revolver????? am super happy cause this means my credit is getting a lot better....


congrats on the card....the hard limit will not ever be removed. Doubtful that you could get a revolver since you were counter-offered with the hard limit and wasn't approved for the NPSL.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Established Contributor

Re: AMEX ZYNC!


j_casteel wrote:

kobe2012 wrote:

I did something bad today and stepped out of the garden.... i applied for Zync and only got $500 preset limit Smiley Embarassed... am happy I finally got my foot in the door after three tries in 6 months... i applied two months ago!!!! Now, would I ever get the hard limit removed??? I really don't wanna get stuck with another $500 limit card (but it is AMEX after all)..... what are the chances of me getting approve for their revolver????? am super happy cause this means my credit is getting a lot better....


congrats on the card....the hard limit will not ever be removed. Doubtful that you could get a revolver since you were counter-offered with the hard limi and weren't approved for the NPSL.


A revolver in the future in I meant??? would I stand a chance, let's say in 6 months?


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Super Contributor

Re: AMEX ZYNC!

I think I've heard of 2 or 3 people getting the hard limit removed, as opposed to tens if not a hundred counts of people having no luck getting it removed. After building up a history, it's worth trying for, but I wouldn't bet on it happening. Their policy on this might change in the future though and you may just get lucky. Smiley Very Happy

 

Enjoy your amex membership, I can't wait till I app for the zync. Smiley Very Happy 



Valued Contributor

Re: AMEX ZYNC!

Use your Zync responsibly and shoot for a revolver in January. Let inquiries age, show good usage and payment, and work on any issues on your reports that may have hurt you that caused a hard limit to be placed.


Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Valued Contributor

Re: AMEX ZYNC!


kobe2012 wrote:

j_casteel wrote:

kobe2012 wrote:

I did something bad today and stepped out of the garden.... i applied for Zync and only got $500 preset limit Smiley Embarassed... am happy I finally got my foot in the door after three tries in 6 months... i applied two months ago!!!! Now, would I ever get the hard limit removed??? I really don't wanna get stuck with another $500 limit card (but it is AMEX after all)..... what are the chances of me getting approve for their revolver????? am super happy cause this means my credit is getting a lot better....


congrats on the card....the hard limit will not ever be removed. Doubtful that you could get a revolver since you were counter-offered with the hard limi and weren't approved for the NPSL.


A revolver in the future in I meant??? would I stand a chance, let's say in 6 months?


possibly, some say that having the Zync or being "in" with AMEX for 6-12 months helps out and others say it doesn't make a difference. I don't think it hurts your chances!

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Moderator Emeritus

Re: AMEX ZYNC!


jsucool76 wrote:

I think I've heard of 2 or 3 people getting the hard limit removed, as opposed to tens if not a hundred counts of people having no luck getting it removed. After building up a history, it's worth trying for, but I wouldn't bet on it happening. Their policy on this might change in the future though and you may just get lucky. Smiley Very Happy

 

Enjoy your amex membership, I can't wait till I app for the zync. Smiley Very Happy 


Don't worry about that.   Garden it,, improve your score then apply for the Amex you want and enjoy their backdating!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Highlighted
Regular Contributor

Re: AMEX ZYNC!

Its an amex!!! Who cares if its 500 bucks... That is gonna look so sexy in your purse lol sorry getting carried away. You and i almost have similar scores do u mind me askig whts your income lookin like when you applied? Any collections etc

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Established Contributor

Re: AMEX ZYNC!


jsucool76 wrote:

I think I've heard of 2 or 3 people getting the hard limit removed, as opposed to tens if not a hundred counts of people having no luck getting it removed. After building up a history, it's worth trying for, but I wouldn't bet on it happening. Their policy on this might change in the future though and you may just get lucky. Smiley Very Happy

 

Enjoy your amex membership, I can't wait till I app for the zync. Smiley Very Happy 


lol, I wanna be the 4th person to get the hard limit removed !!!.... I'm so bad I just couldn't wait til december... but I'd probably just use it to pay my cell phone bill... to be on the safe side.... my first prime!!!!!!!!!! i'll treat it like a newborn.. Smiley LOL


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Established Contributor

Re: AMEX ZYNC!

Congrats! You're in with Amex.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13