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Valued Contributor
GoodCredBen
Posts: 1,522
Registered: ‎10-25-2011

Re: Time to app maybe?

so you have to pay in full every month?

 

I just want this card for emergencies... like if something were to happen i can use it and pay it off slowly...

 

Im assuming this is not how amex works?

 

Starting Score: 512 10/2011 Current Score: EQ: 689 | TU: 667 | EX: 661
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $1750
Gardening Since: 6/1/2014
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Super Contributor
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Time to app maybe?


FairCredBen wrote:

so you have to pay in full every month?

 

I just want this card for emergencies... like if something were to happen i can use it and pay it off slowly...

 

Im assuming this is not how amex works?

 


Nope, this would be the opposite of what an Amex charge card (Zync, Green, Platinum, Gold, PR Gold) is.  You may be in line for approval of a co-branded Amex, such as Hilton Surpass or Delta Skymiles. These appear to be a little easier to get than the Blue Cash Everyday.  If you get declined it MAY be a soft pull, as you already have an amex,  but since your amex is a business Amex, i'm not sure how that works. 


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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Valued Contributor
GoodCredBen
Posts: 1,522
Registered: ‎10-25-2011

Re: Time to app maybe?

they did a hard pull when i first got the business card lol....

Starting Score: 512 10/2011 Current Score: EQ: 689 | TU: 667 | EX: 661
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $1750
Gardening Since: 6/1/2014
May the debt elimination begin! 9680/27150
Super Contributor
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Time to app maybe?


FairCredBen wrote:

they did a hard pull when i first got the business card lol....


Subsequent Amex  applications are usually a SP if denied, and a HP if approved.  I dont know if it makes a difference that your current card is a business card.  Most people apply for the new card while logged into their Amex Online Account


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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Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Time to app maybe?


jamesdwi wrote:

ZYNC, GOLD, PR GOLD, Platinum are all Charge Cards  

 

Zync has an option of giving you a hard limit of $200 (non-autopay)  or $500 with auto-pay linked to your checking account. The rest are NPSL always. 

 

 


so its only 500 if you paid it in full each month ? not like 1000 or 2000 like other card ? And what happen after 1 years or 2 can you convert to one of their daily credit card ?

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012

Re: Time to app maybe?


nicholasyud wrote:

jamesdwi wrote:

ZYNC, GOLD, PR GOLD, Platinum are all Charge Cards  

 

Zync has an option of giving you a hard limit of $200 (non-autopay)  or $500 with auto-pay linked to your checking account. The rest are NPSL always. 

 

 


so its only 500 if you paid it in full each month ? not like 1000 or 2000 like other card ? And what happen after 1 years or 2 can you convert to one of their daily credit card ?

 


not sure i fully understand your question?? but the $200 & $500 CL on the Zync Card are COUNTER offers if you do not qualify for the NPSL ZYnc.



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