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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: WOW zync and delta amex approval

Be careful with what you are doing. Amex goes by tax returns so if you're not claiming the gift from your parents then that can work against you. Also, its really not a matter of who you work for, its really a matter of what do you have on file with the IRS.


Starting Score: 08/29/2011 TU 671 EQ 674
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Member
Posts: 24
Registered: ‎08-15-2012
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Re: WOW zync and delta amex approval

oh no its shown on the tax returns.  because me father runs its through his business that way and i get taxed less for that money than if he was getting that put onto what he already makes. 

Valued Member
Posts: 65
Registered: ‎04-17-2012
0

Re: WOW zync and delta amex approval


Prodr222 wrote:

well the good thing is if that happens worst come to worst i can have my dad say that i work for his company saying that what i put down is my current income. which is what i put down. so hopefuly there are no rough seas ahead.


None of that will help if you get an F/R they look at the previous years tax records, which can be a pain if you have a new job/promotion/etc.

 

I would tread lightly with Amex for the time being.

Valued Member
Posts: 65
Registered: ‎04-17-2012
0

Re: WOW zync and delta amex approval

Well this is a can of worms. I would simply say be careful when doing things that would be considered fraud it could have unintended consequences

Senior Contributor
Posts: 4,694
Registered: ‎02-23-2011
0

Re: WOW zync and delta amex approval

If they FR you, just close the card and tell them to pound sand.

 

Problem solved.

Valued Contributor
Posts: 2,285
Registered: ‎09-16-2011
0

Re: WOW zync and delta amex approval

They also can request your last 2-3 months of bankstatmenets, and/or paycheck stubs. If you can't produce proof of income look for hard limits or closed accounts. 

 

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
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Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
0

Re: WOW zync and delta amex approval

I just got approved for a Zync, but the online site didn't give a the credit limit (or preset limit).  Is there a number I can call to determine what it is?

My Wallet:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Valued Contributor
Posts: 2,285
Registered: ‎09-16-2011
0

Re: WOW zync and delta amex approval


Zync is NPSL unless you got an offer for a $200 hard limit or $500 with auto-pay if you didn't see that offer pop up you have NPSL, but remember the card has to be PIF by due date. 

 

NPSL == no preset spending limit ( you have one but they don't usually disclose it)

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
0

Re: WOW zync and delta amex approval

Well I'll be damned. Smiley Tongue

 

Didn't see anything about a hard limit or auto-pay.  

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My Wallet:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
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