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AMEX Zync and next AMEX app

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jamie123
Valued Contributor

AMEX Zync and next AMEX app

I have been rebuilding for about 2 1/2 years now and have a 2 year old AMEX Zync that has a $500 hard limit and want to get my next AMEX card this January. Has anyone been approved for a second AMEX card while still keeping the $500 hard limit Zync?

 

I tried for a card last January but was denied. My credit and history has improved quite a bit since last January and I'm sure that I should be approved but I've heard rumors that as long as you have a $500 hard limit Zync open that AMEX will decline the second card. Is that true?

 

I'd be really disappointed if I was denied again this January.

 

I'd like to keep the Zync if at all possible. After all, it is the most difficult AMEX card to get now. Smiley Wink

 

I could really use the backdating to 2012 on another card or two.

 

What do I need to do?


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Message 1 of 10
9 REPLIES 9
trumpet-205
Valued Contributor

Re: AMEX Zync and next AMEX app

Get rid of that Zync. You can still backdate without active AMEX card.

Message 2 of 10
texasman07
Established Contributor

Re: AMEX Zync and next AMEX app

I had the 500$ limit ZYNC too. Everytime I applied for an Amex my letter of denial would say that I was not approved due to having a PSL ZYNC. I closed the card in January 2014 and waited 60 days and Bam! Got approved for a delta gold and Amex green
Message 3 of 10
JenniferinFL
Frequent Contributor

Re: AMEX Zync and next AMEX app

Something about having the Zync seems to make people ineligible for other Amex cards. My husband had one and couldn't get another card with Amex while Chase is practically throwing cards at him.

 

Supposedly, you have to have your Zync card cancelled for more than 30 days to get approved. We aren't quite 30 days out yet, but I'll let you know if that works for us.

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


Message 4 of 10
jamie123
Valued Contributor

Re: AMEX Zync and next AMEX app


@JenniferinFL wrote:

Something about having the Zync seems to make people ineligible for other Amex cards. My husband had one and couldn't get another card with Amex while Chase is practically throwing cards at him.

 

Supposedly, you have to have your Zync card cancelled for more than 30 days to get approved. We aren't quite 30 days out yet, but I'll let you know if that works for us.


Thanks! I'd really appreciate that.

 

Anybody else reading this have a $500 hard limit Zync and another AMEX card?


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Message 5 of 10
dadembk
Established Member

Re: AMEX Zync and next AMEX app

I had the hard limit Zync for a couple years too and kept getting denied as well.  I closed the Zync on August 16 and applied on September the 12th (immediately after my final statement cut and mailed).  Instant approval on Green charge and 7-10 day message on Everyday card.  Then on Monday got the approval email from Amex on the Everyday card with a starting limit of $5000.  Im pretty happy with that and the only real change in my profile is closing the Zync.  Other new cards I recently added hadnt reported yet.

 

Close the Zync, open a new chapter in your relationship with Amex.

 

Good luck!

 

dadembk

AKA The Fictional Gardener
In the garden, then out, then in again, etc.
Currently
Fico 691 (Barclay), Fico 671 (Experian)
Goal
700 across the board


Message 6 of 10
Burned2manybridgesB4
Valued Contributor

Re: AMEX Zync and next AMEX app

I had the sky, and delta approvals, while HL zync was open (heavy spend on zync). The limits sucked, and my CLI denial letters all stated "account with spending limit," so I knew it was time for the ax, and received my CLI eligibility when zync was deactivated.

Message 7 of 10
jamesdwi
Valued Contributor

Re: AMEX Zync and next AMEX app


@jamie123 wrote:

I have been rebuilding for about 2 1/2 years now and have a 2 year old AMEX Zync that has a $500 hard limit and want to get my next AMEX card this January. Has anyone been approved for a second AMEX card while still keeping the $500 hard limit Zync?

 

I tried for a card last January but was denied. My credit and history has improved quite a bit since last January and I'm sure that I should be approved but I've heard rumors that as long as you have a $500 hard limit Zync open that AMEX will decline the second card. Is that true?

 

I'd be really disappointed if I was denied again this January.

 

I'd like to keep the Zync if at all possible. After all, it is the most difficult AMEX card to get now. Smiley Wink

 

I could really use the backdating to 2012 on another card or two.

 

What do I need to do?


just to be clear this only applies to the Hard limit Zync card, I have had the Zync card since 2012, membership start date is 2011, it was my second card, Has not affected my CLI's or my ability to get them, Have gotten my CLI on my BCP  from 6k, to 7.5k to 15k, and I have probably left possible increases on the table in attempt to ramp up slowly and eventually beyond 25k without having to submit tax forms. And really who needs  more than 25k of CL from a  lender that doesn't like you to carry a balance long term. 

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 8 of 10
jamie123
Valued Contributor

Re: AMEX Zync and next AMEX app

Thanks for all the responses everybody!

 

Well, you all persuaded me and I will close my Zync after I pay my November 27th statement.

 

I will app for the Green Charge and the Blue Cash Everyday sometime around the 7th of January. (Wish me luck!)

 

What happens to my Zync points? Do I have to use them before I close the card?


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Message 9 of 10
Luscher
Valued Contributor

Re: AMEX Zync and next AMEX app

I would use them before closing
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 10 of 10
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