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SpeedingWheels
Posts: 253
Registered: ‎08-06-2012
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Amex Zync - Whats so great about it?

I see everybody going gaga over Amex Zync and I'm just wondering whats so great about it? 

Is it just that it's fairly easy to get or is there more? 

 

 

 


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
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Jlu
Posts: 785
Registered: ‎06-12-2012
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Re: Amex Zync - Whats so great about it?

I don't see anyone going gaga over it per se.. There just happens to be more threads about it because it is the foot in the door card for American Express. AMEX used to be prime 680+ only, but this is one of the first times in recent memory that they've dipped their toes back into the semi-prime 620-680 market.

JP Morgan Select $10k | CSP $10k | Citi TY Premier $15k | BofA 3-2-1 $15k | Chase Freedom $10k | Discover IT $10k | Barclaycard $10k | AMEX SPG $5k | AMEX PRG NPSL | NASA Platinum-Advantage $10k | CapOne Quicksilver $3k | Walmart Card $5k | Amazon Card $10k | Chase Auto 1.49% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
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Pworld
Posts: 114
Registered: ‎12-29-2008
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Re: Amex Zync - Whats so great about it?

Easy way to get in the AMEX family. Low AF, and if the packs benefit your lifestyle, some extra perks. 

 

Plus its a cool white color that most people have not seen from AMEX. 

 

But the seperate customer service dept sucks!

2/2011=EQ: 590
11/2012=EQ: 683 (after 4 card app spree and reporting)
10/2013=EQ: 708 (reached my goal!! for 2013) EX(amex): 668 TU(Disc):680
Goal = 725 by 6/2014
Amex Zync/NPSL | Amex Green/NPSL | AMEX BCP/15k | Chase Freedom/2.2K | Best Buy/800 | Discover IT/6.4K | Citi HHonors Reserve/3K | Chase Hyatt/5k | Sapphire Preffered/9K
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Cdnewmanpac
Posts: 767
Registered: ‎01-16-2012
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Re: Amex Zync - Whats so great about it?

This question has been answered ad nauseum. Please consider searching existing threads before starting a new one on such a frequently asked and extensively answered question.
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
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improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011
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Re: Amex Zync - Whats so great about it?


SpeedingWheels wrote:

I see everybody going gaga over Amex Zync and I'm just wondering whats so great about it? 

Is it just that it's fairly easy to get or is there more? 

 

 

 


Hey SpeedingWheels!  Welcome to the forums!

I personally like the Zync card because it's an opportunity to get in with Amex.  What does this mean?  Well the benefits are great.... backdating as you add new Amex cards to your porfolio so the sooner you are "in" the better. (if it is your intention to continue your relationship with Amex) ... Credit with an Prime lender that offers many different products... Low AF... Rewards based on your lifestyle... Easiest Amex to get (lower appproval requirements for those just starting out) and the customer service (though some might argue this point) :smileyhappy:.

Don't mistake the easier lending standards for approval to mean = bad credit... if you have credit baddies... there is a strong likelihood that you will not be approved.  This card was designed to give those starting out with thin files an opportunity to grow with Amex.  

These are just my reasons... hope this helps.  :smileyhappy:

 


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Established Contributor
learnin113
Posts: 541
Registered: ‎12-02-2011
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Re: Amex Zync - Whats so great about it?


SpeedingWheels wrote:

I see everybody going gaga over Amex Zync and I'm just wondering whats so great about it? 

Is it just that it's fairly easy to get or is there more? 

 

 

 


Do you actually see people going gaga or are they just happy to get their foot in the door with Amex?  :smileyindifferent:

Valued Contributor
jamesdwi
Posts: 1,897
Registered: ‎09-16-2011
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Re: Amex Zync - Whats so great about it?


learnin113 wrote:

SpeedingWheels wrote:

I see everybody going gaga over Amex Zync and I'm just wondering whats so great about it? 

Is it just that it's fairly easy to get or is there more? 

 

 

 


Do you actually see people going gaga or are they just happy to get their foot in the door with Amex?  :smileyindifferent:


Its also an awesome tool to control UTL and learn good spending practices. Especailly if you are have a higher income level and rebuilding your credit, ITs the quckest way to get a 10K CL if you make 100k when others are giving you toy CL not more than 2k. 

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
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OptimasPrime
Posts: 348
Registered: ‎08-17-2012
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Re: Amex Zync - Whats so great about it?

Soft pulls for any denial of future credit from amex is a nice perk. Also helpful in establishing member since date with amex for future backdating purposes, especially if your credit is borderline for any of their other products.

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
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creditnocash
Posts: 2,255
Registered: ‎07-23-2012
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Re: Amex Zync - Whats so great about it?


improvingmycredit wrote:

SpeedingWheels wrote:

I see everybody going gaga over Amex Zync and I'm just wondering whats so great about it? 

Is it just that it's fairly easy to get or is there more? 

 

 


if i apped for this card first before i did anything im sure i would have gotten a npsl but my aaoa dropped from 1.4 years to 7 months i believe now. 

to me its just having an amex. and obviously for establishing backdating. 

for me just turning 21 and getting an amex is something from a dream. 

its a charge that is linked to my checking for auto pay, so yeah. no chance for me to screw up there. 

 

what i like is if you apply for a card down the road its always a soft pull unless you get it. 

i wont be apping anytime soon but that's a good perk. 

also backdating and getting great customer service. 

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
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

Re: Amex Zync - Whats so great about it?

Low AF, can be linked to other charge card for better pts, way to get foot in Amex family, backdating goodness (mine got backdated to 1993-I hope), it looks really cool and it's the bombdiggity!


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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