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Regular Contributor
GlocksAndCredit
Posts: 169
Registered: ‎08-26-2012
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American Express ZYNC APPROVAL with Embedded AutoPay

People have been getting approved for the ZYNC with little to no Credit History, I have just been dying to try. I was going to last night, but didn't pull the trigger. I decided to tonight and got the message: "We were Unable to approve your application for the Original American Express ZYNC. However, we were able to approve you for two other American Express Products." They offered the $500 Spending Limit with Embedded Auto Pay ZYNC Card, or the $200 Spending Limit ZYNC card.

 

I was going to be PIF every month anyway and I decided to go with the Embedded AutoPay, I was approved instantly after putting in my Bank Routing, and Acct. Number. Card will be here in 7-10 business days. SO happy!!!

 

Not sure if AMEX is going to treat me same as a "normal" AMEX customer or what. Will I get the same CLI opportunities? Just curious. I appreciate all opinions.

CSP $5000, Chase Freedom Sig Visa $5000, United MileagePlus Sig Visa $5000, Capital One VentureOne Sig Visa $5000, Citi ThankYou Preferred Sig Visa $5000, Capital One Quick Silver MasterCard $4000, Amazon Store Card $3700, Citi Simplicity Visa $3000, Sallie Mae Mastercard $2000, Fidelity AMEX $2000, AMEX BCE $2000, AMEX Everyday $2000 Amazon Reward Visa $1800, Barclays Apple Visa $1700, Discover IT $1500, Suncoast FCU $1000, Target REDCard $300

Current Scores: EQ 701 (Fico), EX 707 (Fico) **In the Garden unti....forever.
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
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Re: American Express ZYNC APPROVAL with Embedded AutoPay

What that means is that you were borderline approved.

I got the same message.
As you said pif is Normal for me so auto pay was no thang but a chicken wang.

But now your in with backdating and future app denials being soft pulls :smileyhappy:
Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
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Re: American Express ZYNC APPROVAL with Embedded AutoPay

A Zync with a hard limit will get you started with Amex, but it's basically a dead-end. You probably won't ever get a CLI, and it's basically stuck as-is.

 

However if you use it properly, regularly and always PIF, you'll have a better chance at applying for another product of theirs (probably another charge card but NPSL instead) in the future.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
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Established Contributor
Koop10010
Posts: 731
Registered: ‎02-15-2012
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Re: American Express ZYNC APPROVAL with Embedded AutoPay


CreditScholar wrote:

A Zync with a hard limit will get you started with Amex, but it's basically a dead-end. You probably won't ever get a CLI, and it's basically stuck as-is.

 

However if you use it properly, regularly and always PIF, you'll have a better chance at applying for another product of theirs (probably another charge card but NPSL instead) in the future.


+1  I've never heard of anyone getting their limit raised.  I think a few people may have gotten their limit removed or were atleast told it was possible, but it seems to be pretty rare.  But it is a good way to work toward a better Amex card in the future.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012
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Re: American Express ZYNC APPROVAL with Embedded AutoPay


collinsridge wrote:

People have been getting approved for the ZYNC with little to no Credit History, I have just been dying to try. I was going to last night, but didn't pull the trigger. I decided to tonight and got the message: "We were Unable to approve your application for the Original American Express ZYNC. However, we were able to approve you for two other American Express Products." They offered the $500 Spending Limit with Embedded Auto Pay ZYNC Card, or the $200 Spending Limit ZYNC card.

 

I was going to be PIF every month anyway and I decided to go with the Embedded AutoPay, I was approved instantly after putting in my Bank Routing, and Acct. Number. Card will be here in 7-10 business days. SO happy!!!

 

Not sure if AMEX is going to treat me same as a "normal" AMEX customer or what. Will I get the same CLI opportunities? Just curious. I appreciate all opinions.


+1 to all of the above. I would just add that one cannot get clis on amex charge cards. The goal would be to try and get the $500 hard limit removed in which case the card would be no pre set spending limit (npsl), although this will be very difficult to accomplish. 

 

Only amex credit cards have credit lines, as all of their charge cards are npsl (with the exception of the autopay zync)

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
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Re: American Express ZYNC APPROVAL with Embedded AutoPay

Congrats! I am supposed to be in the garden but if one more person posts that they were approved for this card....I'm gonna have to try.....lol I don't know if I have a chance since all my cards were opened within a month of each other but it is oh so tempting!
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
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Revelate
Posts: 9,735
Registered: ‎12-30-2011
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Re: American Express ZYNC APPROVAL with Embedded AutoPay

[ Edited ]

snowkitty wrote:
Congrats! I am supposed to be in the garden but if one more person posts that they were approved for this card....I'm gonna have to try.....lol I don't know if I have a chance since all my cards were opened within a month of each other but it is oh so tempting!

:smileyhappy:.

 

You probably have a chance, all the advice from the other thread yesterday still applies though both positive and negative.  There will probably be another approval thread tomorrow, it's a pretty common topic on these forums for anyone in the building/rebuilding stages and an Amex relationship.

 

OP: congrats on the approval, and welcome to the forums!  The above posters' advice is correct: you are a normal customer, but the limit has the proverbial snowball's chance in hell of being removed unfortunately until Amex changes their policies.  To my knowledge not a single individual anytime recently has had that happen; however, for everything else that the Zync is good for, this card counts absolutely and I would've been just as happy with the 500 autopay counter-offer as I am with the NPSL I actually received yesterday... they are equivalent for future Amex goodness in my book.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
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Re: American Express ZYNC APPROVAL with Embedded AutoPay

I would like to try but I worry about the new accounts and the inquiries. I was approved for 6 cards but there were 4 or 5 declines so thats alot in a month right? I also worry about some of my accounts seeing I'm applying for more and cut me off. Mainly boa and discover....r they sensitive like that??
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Regular Contributor
GlocksAndCredit
Posts: 169
Registered: ‎08-26-2012
0

Re: American Express ZYNC APPROVAL with Embedded AutoPay

Just curious does this happen to everyone? If they aren't approved for the Original ZYNC, do they get this second option? Or is there a Straight Disapproval?

CSP $5000, Chase Freedom Sig Visa $5000, United MileagePlus Sig Visa $5000, Capital One VentureOne Sig Visa $5000, Citi ThankYou Preferred Sig Visa $5000, Capital One Quick Silver MasterCard $4000, Amazon Store Card $3700, Citi Simplicity Visa $3000, Sallie Mae Mastercard $2000, Fidelity AMEX $2000, AMEX BCE $2000, AMEX Everyday $2000 Amazon Reward Visa $1800, Barclays Apple Visa $1700, Discover IT $1500, Suncoast FCU $1000, Target REDCard $300

Current Scores: EQ 701 (Fico), EX 707 (Fico) **In the Garden unti....forever.
Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

Re: American Express ZYNC APPROVAL with Embedded AutoPay

I have seen posts here that are straight denials
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*

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