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Question About Zync Auto-Pay

Established Contributor

Re: Question About Zync Auto-Pay

You are so right. Haha, I'll hold off!

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

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My Primary Financial Goal is to put down my utl%.



Message 11 of 22
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Regular Contributor

Re: Question About Zync Auto-Pay


mAndrew1980 wrote:

You are so right. Haha, I'll hold off!


well? its spring time, did you apply?

Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
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Cap1: $750 Gardening mode until April 2013
Cap1: $500



Message 12 of 22
Valued Contributor

Re: Question About Zync Auto-Pay

I've never heard of this Zyng Auto-Pay deal. Is this designed for people with good, but not excellent credit?

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

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Message 13 of 22
Super Contributor

Re: Question About Zync Auto-Pay


bribro wrote:

I've never heard of this Zyng Auto-Pay deal. Is this designed for people with good, but not excellent credit?


It's a counter~offer that some people receive when they are declined for the NPSL Zync card.   A Zync with either $200 Hard Limit ( no autopay ) or $500 ( w autopay ), your choice.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 14 of 22
Moderator Emeritus

Re: Question About Zync Auto-Pay

If you haven't apped for Zync yet, I would go for it


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
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MyFICO Fitness Goal: 800s Club!



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Message 15 of 22
Regular Contributor

Re: Question About Zync Auto-Pay

I have had the Zync with autopay for 8 months now but the $500 limit has not been lifted yet.

 

Though i have noticed that amex has been softing my experian quite a lot in the past 3 months.

Message 16 of 22
Moderator Emeritus

Re: Question About Zync Auto-Pay


Denny33142 wrote:

I have had the Zync with autopay for 8 months now but the $500 limit has not been lifted yet.

 

Though i have noticed that amex has been softing my experian quite a lot in the past 3 months.


hehe, its like they are trying to see if you're ready to join the NPSL crowd


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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Message 17 of 22
Established Contributor

Re: Question About Zync Auto-Pay

Word of caution...while it is possible for them to lift the 500.00 autopay or 200.00 hard cap w/o autopay Amex is under no obligation to lift it ever unless they see fit. There is no "it will be lifted in 6 months, a year, 2 years, etc" guaranty. While it can be great to get 'in' with Amex, it is better to apply from a position of strength than to eek in with marginal qualifications. Aka wait 6 months and then apply once scores are higher and chances for npsl approval go up

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Message 18 of 22
Moderator

Re: Question About Zync Auto-Pay


webhopper wrote:

If you haven't apped for Zync yet, I would go for it


*grumble* mon amie, you're not making this any easier for some of us! Smiley Wink

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 19 of 22
New Contributor

Re: Question About Zync Auto-Pay


pizzadude wrote:

bribro wrote:

I've never heard of this Zyng Auto-Pay deal. Is this designed for people with good, but not excellent credit?


It's a counter~offer that some people receive when they are declined for the NPSL Zync card.   A Zync with either $200 Hard Limit ( no autopay ) or $500 ( w autopay ), your choice.


Hi Pizzadude,

 

My sister was just approved for an American Express Zync card and selected the $200 hard limit as she wanted more control of when she could pay instead of having the statement balance be automatically debited from her checking account. I understand from reading past threads that you also have an AMEX Zync card with a $200 hard limit without autopay. Have you received a credit limit increase or have you been upgraded to NPSL status with your AMEX Zync card if I may ask? Thanks so much for your reply!

 

Also, if anyone else on the forums has an American Express Znyc card with a $200 hard limit without auto pay, please feel free to chime in.

Message 20 of 22