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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: *NEW AmEx ZYNC customer -- AmEx for everything change

We had a lot of overdrafts last year due to timing of our income and outflow... It was hard for me to make sure that we weren't spending beyond what we had. What made it worse is that gas started getting preauthorized for 1 dollar instead of the full amount, so your pending balance could be off by as much as 200 dollars if we filled up all three cars.

Luckily amex fixed all of that for us. One bill for all discretionary spending is very easy to manage, rather than trying to keep track of all of the individual transactions

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!



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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: *NEW AmEx ZYNC customer -- AmEx for everything change

We also put the cell phone bill, direct tv bill, security system bill, netflix subscription, and internet bill, as well as our turnpike accounts for the three cars. That diminishes the amount of individual bills we pay and makes it easy to make sure they are paid on time

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
New Member
Posts: 5
Registered: ‎07-21-2012
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Re: *NEW AmEx ZYNC customer -- AmEx for everything change

What's been your overall experience with ZYNC and rewards points?
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: *NEW AmEx ZYNC customer -- AmEx for everything change

I redeemed points once, I redeemed about 9k points and got a sony ihome for the house, which retailed for about 117.

You can redeem at amazon, with 10k points worth about 70 bucks, or you can redeem for statement credit with 10k points worth about 60 bucks. Or you can redeem for gift cards to home depot. 10k for 100 bucks worth of gift cards.

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
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