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AMEX Zync internal limit

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spengbab
Regular Contributor

Re: AMEX Zync internal limit

At first AMEX was hesitant on giving me $500 to spend lol.

Then they were fine with $2000...

Then $3000...

Then $5000....

and now $7500 lol.

 

Barclaycard Apple Financing (2100), Discover More (2500), US Bank Visa Platinum (2000), CFNA (2200), Chase Freedom (500), Capital One (1500), HSBC Platinum Master Card (750), Nebraska Furniture Mart (1000)
Message 11 of 17
logan_720
Established Contributor

Re: AMEX Zync internal limit

They denied me for $1,000 within a month after recieving my card, I have only used it slightly, not really pushing a whole lot through it, just day to day stuff. I checked just now and I'm at $3000. I'm fine with that Smiley LOL

Message 12 of 17
afbar1114
Valued Contributor

Re: AMEX Zync internal limit

a few weeks after i got the card i called and asked they said it was $1k now its up to $1480. they said it goes up everytime you pay the bill and it will go up again when i pay the bill next month

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 13 of 17
Repo-ed
Senior Contributor

Re: AMEX Zync internal limit


@afbar1114 wrote:

a few weeks after i got the card i called and asked they said it was $1k now its up to $1480. they said it goes up everytime you pay the bill and it will go up again when i pay the bill next month


Makes sense

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 14 of 17
webhopper
Moderator Emeritus

Re: AMEX Zync internal limit


@Repo-ed wrote:

@afbar1114 wrote:

a few weeks after i got the card i called and asked they said it was $1k now its up to $1480. they said it goes up everytime you pay the bill and it will go up again when i pay the bill next month


Makes sense



I checked Spending ability at 2k when I first got the card... Approved.

Checked it at 3k in March, Approved

Checked it at 5k in April, Approved.

Will check it again if/when I plan on spending more than 5k through the card.

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 15 of 17
afbar1114
Valued Contributor

Re: AMEX Zync internal limit

i dont plan on spending more the $300 a month now since i have boa and freedom. better rewards. but the NPSL looks good to lenders and may help me get better limits. plus amex has a diffrent level of stuff like a lounge at malls by me

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 16 of 17
808state
Established Member

Re: AMEX Zync internal limit

My first Zync purchase was airline tickets from US to Israel $1200. It was approved without an issue. I have never been declined making purchses up to $4k, of course always PIf at months end.

 

Out of curiousity a few days ago I used the button to check if I would be approved on $10k, and it was approved. Not sure what my ceiling is, but it seems to be higher than I would ever need! I do use the card monthly, with an avg of $1k - $2k. Had it since 2010

TU 722 | EQ 779 | Alaska Airlines Visa 5k | NFCU Cash Rewards Signature Visa 12.5k | Foreclosure in 2006
Message 17 of 17
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