AMEX Zync - Anyone have Auto Pay and PSL Removed ??

[GoodCreditIsMyGoal]

I am extremely thrilled to report I have been approved for AMEX Zync, HOWEVER,  I was given the Auto Pay $500 hard limit offer which is not bad...at least my foot in the doo r, but my question is this:   I've searched the forum and know that many people have this option as well....some for months now.  Looking to find out if you have ever had the Hard Limit lifted.....and/or has the Limit been increased at all?? Or does it forever stay autopay and $500 hard limit.

Also, I was reading the Card Agreement and was a bit surprised to see that it says something to the affect that Applications for New AMEX Cards may be denied?!  Does this mean even after a year with excellent payment, great FICO scores etc...that I can never apply and be approved for another  type of AMEX card? Anyone with PSL auto pay been approved for another AMEX product?

[Anonymous]

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@GoodCreditIsMyGoal wrote:

I am extremely thrilled to report I have been approved for AMEX Zync, HOWEVER,  I was given the Auto Pay $500 hard limit offer which is not bad...at least my foot in the doo r, but my question is this:   I've searched the forum and know that many people have this option as well....some for months now.  Looking to find out if you have ever had the Hard Limit lifted.....and/or has the Limit been increased at all?? Or does it forever stay autopay and $500 hard limit.

Also, I was reading the Card Agreement and was a bit surprised to see that it says something to the affect that Applications for New AMEX Cards may be denied?!  Does this mean even after a year with excellent payment, great FICO scores etc...that I can never apply and be approved for another  type of AMEX card? Anyone with PSL auto pay been approved for another AMEX product?

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They review accounts periodically.

You can apply for a different Amex card at anytime but I strongly reccomend against it at the time being. Zync is the easist charge card to get and they put a hard limit on it so chances are high anything else would be denied. My friend has 1500 limit on zync and was approved for green.

[GoodCreditIsMyGoal]

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@Anonymous wrote:

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@GoodCreditIsMyGoal wrote:

I am extremely thrilled to report I have been approved for AMEX Zync, HOWEVER,  I was given the Auto Pay $500 hard limit offer which is not bad...at least my foot in the doo r, but my question is this:   I've searched the forum and know that many people have this option as well....some for months now.  Looking to find out if you have ever had the Hard Limit lifted.....and/or has the Limit been increased at all?? Or does it forever stay autopay and $500 hard limit.

Also, I was reading the Card Agreement and was a bit surprised to see that it says something to the affect that Applications for New AMEX Cards may be denied?!  Does this mean even after a year with excellent payment, great FICO scores etc...that I can never apply and be approved for another  type of AMEX card? Anyone with PSL auto pay been approved for another AMEX product?

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They review accounts periodically.

You can apply for a different Amex card at anytime but I strongly reccomend against it at the time being. Zync is the easist charge card to get and they put a hard limit on it so chances are high anything else would be denied. My friend has 1500 limit on zync and was approved for green.

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Thanks for responding!  No, I don't plan on apping for another AMEX for another 18 months, but I just wanted to know if I even had the option to do so.  This Zync will serve as my debit card for small every day purchases I make, so the $500 limit is okay for now.  Just wanted to know was there a chance for any sort of increase or could I app for another AMEX product in the future.  Thanks!!!!

[Anonymous]

Yes you can apply in the future. You can also force the 500 limit higher by sending them a check at the beginning of the month if you plan to do a large purchase.

[GoodCreditIsMyGoal]

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@Anonymous wrote:

Yes you can apply in the future. You can also force the 500 limit higher by sending them a check at the beginning of the month if you plan to do a large purchase.

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Oh I see...thanks Tanner!  

Also, I have another question....I didn't sign up for any packs...will I be ableto sign up after I get my card?  I just noticed that the AMEX is accepted at a coffee shop I frequent every day so I would like to sign up for the Restaurant Pack if possible.

[Anonymous]

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@GoodCreditIsMyGoal wrote:

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@Anonymous wrote:

Yes you can apply in the future. You can also force the 500 limit higher by sending them a check at the beginning of the month if you plan to do a large purchase.

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Oh I see...thanks Tanner!  

Also, I have another question....I didn't sign up for any packs...will I be ableto sign up after I get my card?  I just noticed that the AMEX is accepted at a coffee shop I frequent every day so I would like to sign up for the Restaurant Pack if possible.

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You will be able to add a pack at any time. You can also change them when you want.

[LS2982]

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@GoodCreditIsMyGoal wrote:

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@Anonymous wrote:

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@GoodCreditIsMyGoal wrote:

I am extremely thrilled to report I have been approved for AMEX Zync, HOWEVER,  I was given the Auto Pay $500 hard limit offer which is not bad...at least my foot in the doo r, but my question is this:   I've searched the forum and know that many people have this option as well....some for months now.  Looking to find out if you have ever had the Hard Limit lifted.....and/or has the Limit been increased at all?? Or does it forever stay autopay and $500 hard limit.

Also, I was reading the Card Agreement and was a bit surprised to see that it says something to the affect that Applications for New AMEX Cards may be denied?!  Does this mean even after a year with excellent payment, great FICO scores etc...that I can never apply and be approved for another  type of AMEX card? Anyone with PSL auto pay been approved for another AMEX product?

---

They review accounts periodically.

You can apply for a different Amex card at anytime but I strongly reccomend against it at the time being. Zync is the easist charge card to get and they put a hard limit on it so chances are high anything else would be denied. My friend has 1500 limit on zync and was approved for green.

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Thanks for responding!  No, I don't plan on apping for another AMEX for another 18 months, but I just wanted to know if I even had the option to do so.  This Zync will serve as my debit card for small every day purchases I make, so the $500 limit is okay for now.  Just wanted to know was there a chance for any sort of increase or could I app for another AMEX product in the future.  Thanks!!!!

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18 months from now you should be fine as long as your EX report is up to snuff and the Zync has been handled properly.

[GoodCreditIsMyGoal]

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@LS2982 wrote:

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@GoodCreditIsMyGoal wrote:

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@Anonymous wrote:

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@GoodCreditIsMyGoal wrote:

I am extremely thrilled to report I have been approved for AMEX Zync, HOWEVER,  I was given the Auto Pay $500 hard limit offer which is not bad...at least my foot in the doo r, but my question is this:   I've searched the forum and know that many people have this option as well....some for months now.  Looking to find out if you have ever had the Hard Limit lifted.....and/or has the Limit been increased at all?? Or does it forever stay autopay and $500 hard limit.

Also, I was reading the Card Agreement and was a bit surprised to see that it says something to the affect that Applications for New AMEX Cards may be denied?!  Does this mean even after a year with excellent payment, great FICO scores etc...that I can never apply and be approved for another  type of AMEX card? Anyone with PSL auto pay been approved for another AMEX product?

---

They review accounts periodically.

You can apply for a different Amex card at anytime but I strongly reccomend against it at the time being. Zync is the easist charge card to get and they put a hard limit on it so chances are high anything else would be denied. My friend has 1500 limit on zync and was approved for green.

---

Thanks for responding!  No, I don't plan on apping for another AMEX for another 18 months, but I just wanted to know if I even had the option to do so.  This Zync will serve as my debit card for small every day purchases I make, so the $500 limit is okay for now.  Just wanted to know was there a chance for any sort of increase or could I app for another AMEX product in the future.  Thanks!!!!

---

18 months from now you should be fine as long as your EX report is up to snuff and the Zync has been handled properly.

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That's awesome to hear!  Do they hard pull for a new app or will it be a soft?  I thought I remember reading on here somewhere that when you already have an AMEX and apply for another card it's a soft...could be wrong though....sounds to good  to be true! LOL!

[GoodCreditIsMyGoal]

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@GoodCreditIsMyGoal wrote:

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@LS2982 wrote:

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@GoodCreditIsMyGoal wrote:

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@Anonymous wrote:

---

@GoodCreditIsMyGoal wrote:

I am extremely thrilled to report I have been approved for AMEX Zync, HOWEVER,  I was given the Auto Pay $500 hard limit offer which is not bad...at least my foot in the doo r, but my question is this:   I've searched the forum and know that many people have this option as well....some for months now.  Looking to find out if you have ever had the Hard Limit lifted.....and/or has the Limit been increased at all?? Or does it forever stay autopay and $500 hard limit.

Also, I was reading the Card Agreement and was a bit surprised to see that it says something to the affect that Applications for New AMEX Cards may be denied?!  Does this mean even after a year with excellent payment, great FICO scores etc...that I can never apply and be approved for another  type of AMEX card? Anyone with PSL auto pay been approved for another AMEX product?

---

They review accounts periodically.

You can apply for a different Amex card at anytime but I strongly reccomend against it at the time being. Zync is the easist charge card to get and they put a hard limit on it so chances are high anything else would be denied. My friend has 1500 limit on zync and was approved for green.

---

Thanks for responding!  No, I don't plan on apping for another AMEX for another 18 months, but I just wanted to know if I even had the option to do so.  This Zync will serve as my debit card for small every day purchases I make, so the $500 limit is okay for now.  Just wanted to know was there a chance for any sort of increase or could I app for another AMEX product in the future.  Thanks!!!!

---

18 months from now you should be fine as long as your EX report is up to snuff and the Zync has been handled properly.

---

That's awesome to hear!  Do they hard pull for a new app or will it be a soft?  I thought I remember reading on here somewhere that when you already have an AMEX and apply for another card it's a soft...could be wrong though....sounds to good  to be true! LOL!

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Not that the inquiry will be a big deal at that point though.....Most of mine will drop off by then.

[-Cain-]

@goodcredit -

If you apply for another AmEx, an approval will be a hard pull, a denial will more than likely be a soft inquiry.