Reply
Regular Contributor
Posts: 222
Registered: ‎10-25-2010
0

AMEX Zync NPSL Minimum Initial Limit

As best I can tell the Zync comes in three versions ($200, $500 and NPSL). I realize the Zync NPSL has a internal spending limit based on credit history, score and spending patterns - but what is the minimum initial spending limit?


Starting Scores: 667 EQ 09/2013 | 682 TU08 01/2014 | 685 EX 03/2013(via AMEX App)
Current Scores: 667 EQ 09/2013 | 696 TU08 04/2015 | 689 EX 06/2014(via AMEX CLI)

AMEX BCE $12.3K | AMEX Zync NPSL | Cap1 Quicksilver MC $3.9K | NFCU Visa Signature cashRewards $20K
NFCU NavChek $15K | Target Visa $5K | Comenity VS $3K | Walmart $4.5K
Established Contributor
Posts: 731
Registered: ‎12-14-2011
0

Re: AMEX Zync NPSL Minimum Initial Limit

That will be based upon a variety of factors such as: credit score, utilization, income and assets, other lines of credit you have, credit history, history with amex specifically, etc. Best bet is to call customer service and ask them what you current starting limit is. Mine started around 2,000 internal limit and quickly grew to be much much higher. I currently don't know what mine is at but have never had problems.

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Super Contributor
Posts: 6,580
Registered: ‎04-07-2008
0

Re: AMEX Zync NPSL Minimum Initial Limit

As any NPSL charge card, they need to view your spending pattern. When  got approved for mine, I check the 'check my spending' and it was approved for $3000. SO i presume it might have been a little higher. YMMV




Moderator Emeritus
Posts: 10,909
Registered: ‎12-30-2011
0

Re: AMEX Zync NPSL Minimum Initial Limit

[ Edited ]

I tried it twice for giggles: $2000 approved, $5000 not approved.

 

$2000 is around my high balance on my other tradelines (though recently racked up 3.5K fixing wardrobe / insurance payment / other one-time events) and $5000 is the CL of my highest tradeline.

 

Attempting to back-into the Amex NPSL math, at my listed income I have around 6700/mo post-tax; average housing payment around here is probably 2.5Kish, my car payment(s) (refinanced recently but the old Wells loan is still reporting) would be 850ish technically, and utilities / cell phone / etc are probably another couple hundred, and food probably 500ish in their metric.  So $2500-3K would probably be about mine too if I tried it again I suspect.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.