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Amex Zync -- how often should I use it if it's not my primary card?

New Member

Amex Zync -- how often should I use it if it's not my primary card?

I don't want Amex to take it away since I want to build history with them, yet it doesn't offer the best rewards for me at the moment.
10 REPLIES
Valued Contributor

Re: Amex Zync -- how often should I use it if it's not my primary card?

Use it once per months then.

Established Contributor

Re: Amex Zync -- how often should I use it if it's not my primary card?

netflix! or any small recurring monthly charge. You can even set up autopay and it will all happen automagically

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.
Frequent Contributor

Re: Amex Zync -- how often should I use it if it's not my primary card?


Cdnewmanpac wrote:

netflix! or any small recurring monthly charge. You can even set up autopay and it will all happen automagically



jw is netflix a part of the connect pack?

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Frequent Contributor

Re: Amex Zync -- how often should I use it if it's not my primary card?

Not to sound too....ok, I am going to say it anyway.  It's just a charge card.  They want you to use it so they can make money from both you and the merchants who are charge a fee everytime they swipe your card.  Think about this, do banks care how much you use your debit cards?  I know, apple and oranges, but to be straight with you, they want you to use it.  And as for the financial reviews, don't sweat them, even though other may say different.  I have all of my credit cards fr me every other week, and all they are doing is checking your credit report, to make sure you are not maxing out other credit cards/ going dink on your other cards. 

 

In other word, ENJOY YOUR CARD!!!! Never, leave home without it...


5/30/15 EQ 596; TU 605; EX 580.
10/17/16 EQ 632; TU 656; EX 647
Moderator Emeritus

Re: Amex Zync -- how often should I use it if it's not my primary card?

My husband loves zync card

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor

Re: Amex Zync -- how often should I use it if it's not my primary card?


webhopper wrote:
My husband loves zync card

my FAV card and use it 100% of the time over my debit and barclays

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Moderator Emeritus

Re: Amex Zync -- how often should I use it if it's not my primary card?

Yep. My husband and I run all of our spending through it. We love that its a PIF card. My husband thinks its cool because we earn rewards. The cool thing is that ive only gotten one overdraft since having the card and it was because my rates went up on insurance by a little bit and I hadn't planned for that little bit. Last yr I had a total of 350 Ish in overdrafts and my husband had about 400ish. This card has paid for itself 10 times over!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor

Re: Amex Zync -- how often should I use it if it's not my primary card?


webhopper wrote:

Yep. My husband and I run all of our spending through it. We love that its a PIF card. My husband thinks its cool because we earn rewards. The cool thing is that ive only gotten one overdraft since having the card and it was because my rates went up on insurance by a little bit and I hadn't planned for that little bit. Last yr I had a total of 350 Ish in overdrafts and my husband had about 400ish. This card has paid for itself 10 times over!


+100 

 

love my Zync for the same reason almost.. i like the increase in interest paid to my account i used to get maybe a $1 in interest on my "VIP checking" it pays 7.5% interest for upto the first $500 avg daily balance,  now that all cable and cell phone bill sits in my account for most of the month I get $2.82 in interest... plus 600 points extra because of the connect pack.. No more remembering that I put 323 dollars on blah credit card for cellphone bill  and $147  for the cable bill and all my lunches at work and I need to pay it off before the statement hits or I will take a ding on my Credit Report because of increased UTL, now I just look at AMEX site and see that I owe a total of $623 that will cut on my statement around the 6th of the month, if i don't make statement cut off no big due I have another 2 weeks after that before its actually due and some report I could put it farther still never have don't want to rock the boat. 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Moderator Emeritus

Re: Amex Zync -- how often should I use it if it's not my primary card?

Totally agree about not rocking the boat. Out amex bill is paid in full 10 days before the "please pay by date"

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge