Reply
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Internal Limit AMEX Zync

Called to find out my internal limit and guy said he couldnt give it to me.  I then told him that I wanted to put a large purchase on card as I'm rebuilding from storm damage and needed to order cabinets before loan was processed as they will take 3-4 weeks to  get in (trying to fix kitchen before Turkey day!)

 

I told him that I wanted to order new kitchen cabinets on card so I can get the points.  Side Note- Got great deal on cabinets.  22k in cabinets for 7k.  He typed it in and said no problem.  So now I know my internal limit is at least 8.2k (current balance plus cabinet cost).  :smileyhappy:



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

Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Internal Limit AMEX Zync


Duncanrr wrote:

Called to find out my internal limit and guy said he couldnt give it to me.  I then told him that I wanted to put a large purchase on card as I'm rebuilding from storm damage and needed to order cabinets before loan was processed as they will take 3-4 weeks to  get in (trying to fix kitchen before Turkey day!)

 

I told him that I wanted to order new kitchen cabinets on card so I can get the points.  Side Note- Got great deal on cabinets.  22k in cabinets for 7k.  He typed it in and said no problem.  So now I know my internal limit is at least 8.2k (current balance plus cabinet cost).  :smileyhappy:


Wow, that's great, congrats!   I know mine is at least 5.8k, as I have gone that high back in may when I got married...  I didn't try to go any higher because if I had I would have struggled to PIF when it was due. 

 

How long have you had your card and what is your normal monthly spend?


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
Posts: 1,919
Registered: ‎06-21-2012
0

Re: Internal Limit AMEX Zync

awesome...i can't seem to get mine past the $500 mark.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Internal Limit AMEX Zync

Opened the card on 9/12/12.  My first statement I ran about 1.1k through it.  I had an old Green card back in 1993 but havent had an AMEX since.  My Delta was also approved on 9/12 and it has a 2k limit.  So go figure.  I do make 6 figures income.



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

Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Internal Limit AMEX Zync

Great news then! I think amex likes high earners. They seem to really be generous on the internal limits.

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
Posts: 1,292
Registered: ‎08-19-2012
0

Re: Internal Limit AMEX Zync

I just got approved for the Green Card last friday, how long did it take you to recieve your card?

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Valued Contributor
Posts: 1,919
Registered: ‎06-21-2012
0

Re: Internal Limit AMEX Zync

[ Edited ]

i was just making a joke on my $500 hard limit. I've averaged $1,800-$2,000 through it per month for the past 4 months, but have to make continual payments to do that.

 

I think i may have just app'd too early for the Zync. I was approved for it with ~580 EX FICO and was really excited, but then I was finally able to get some stuff removed, etc then a month or so later my scored jumped up to 647. I also have a 6 figure salary and i think with the salary and having the 647 EX FICO then I may have gotten the NPSL.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Internal Limit AMEX Zync


j_casteel wrote:

i was just making a joke on my $500 hard limit. I've averaged $1,800-$2,000 through it per month for the past 4 months, but have to make continual payments to do that.

 

I think i may have just app'd too early for the Zync. I was approved for it with ~580 EX FICO and was really excited, but then I was finally able to get some stuff removed, etc then a month or so later my scored jumped up to 647. I also have a 6 figure salary and i think with the salary and having the 647 EX FICO then I may have gotten the NPSL.


Have you considered closing Zync and apping for a new charge card in January?  I'm sure you will be approved with NPSL on the next one.


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
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Internal Limit AMEX Zync

I've thought about it. Thought about keeping open and linking to higher tier charge card. If I close card ill lose existing pts which would be about same pts I would get from sign up bonus on new charge card. With my cards being backdated to 1993 I may keep zync open for AAoA gain and app for better charge after refi.


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

Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Internal Limit AMEX Zync


Duncanrr wrote:
I've thought about it. Thought about keeping open and linking to higher tier charge card. If I close card ill lose existing pts which would be about same pts I would get from sign up bonus on new charge card. With my cards being backdated to 1993 I may keep zync open for AAoA gain and app for better charge after refi.

Are you refi-ing a house or car?

You could always cash in the MRE points before you re-apply.   I think what I'll do is get the PR Gold when it makes sense for my needs, and keep the zync card open as long as they support the connect pack, which is great for all of my phone bills, internet bills, etc.

Now is a great time to refi :smileyhappy:

 


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

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.