Just got approved for the Amex Zync card

[Wolf3]

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@Adam715 wrote:

What do you mean, PC?

I would prefer to not have an annual fee year after year. I don't see the reason to have BOTH the Zync AND the Clear unless I am missing something. Although, I don't want to formally close the Zync card if it will harm my credit.

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I suggest you wait 6 months and then get the Clear card as well.   When annual fee comes around, take a look at rewards and perks vs annual fee.   If not worth it, drop  ther Zync.   

Since you don't have credit problems, I would not worry about the small up and downs of credit score.  Get the products that make sense for you.

[Adam715]

Thank you for your input everyone!

I also have one more question about the Annual Fee. I am new to credit cards with an annual fee. Are you required to pay it at the end of the year or the end of your credit year? I am assuming the latter, but I just want to be sure.

[Creditaddict]

it will be billed on your first statement, then on your 13th month statement