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Established Contributor
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Registered: ‎08-26-2011
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Re: Question About Zync Auto-Pay

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

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Regular Contributor
Posts: 169
Registered: ‎05-16-2011
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Re: Question About Zync Auto-Pay


mAndrew1980 wrote:

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


well? its spring time, did you apply?

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Valued Contributor
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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?

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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
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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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
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Regular Contributor
Posts: 179
Registered: ‎07-12-2011
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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.

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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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
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Established Contributor
Posts: 731
Registered: ‎12-14-2011
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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

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Moderator Emeritus
Posts: 12,895
Registered: ‎12-30-2011
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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 04 561, TU 98 567, EX 98 599 (12/30/11)
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New Contributor
Posts: 61
Registered: ‎12-06-2011
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Re: Question About Zync Auto-Pay

[ Edited ]

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.

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