Reply
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Zync NPSL - Check Spending ability (question)

I currently have 1k on my Zync NPSL and I finally decided to click on the check spending ability and entered in $2000 (see below picture).  I was approved.  So with my current balance of $1000 does this mean I have an internal CL of at least $3000?

 

Zync NPSL.JPG



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Moderator
Revelate
Posts: 8,334
Registered: ‎12-30-2011

Re: Zync NPSL - Check Spending ability (question)

AFAIK, you can spend up to 3K with that.

Since it's designed for individual large purchases, it makes sense to factor in current balance. I would be stunned if they did otherwise.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Valued Member
KBraggs
Posts: 40
Registered: ‎11-12-2009

Re: Zync NPSL - Check Spending ability (question)

[ Edited ]

Not necessarily. If you had tried to type in $3000, $4000, $8000, your request may still have been approved. You won't know unless you check using the tool again, or try to hit your internal limit (if applicable) by manually using your card.

 

Some say not to abuse the spending ability tool with AMEX as it may raise suspicion. Some say that they wouldn't put it there if it werent meant to be used, and its better to ask than to just hope and end up having your card declined at a point of sale. Its up to you how you proceed.

EDIT: I just realized the OP said AT LEAST $3,000...so in that case, I would agree with you. But that may not be the actual limit.

Established Contributor
shakalaka
Posts: 547
Registered: ‎09-10-2012

Re: Zync NPSL - Check Spending ability (question)

Hm I tried it several time and the maximum approval amount stays the same even so I have charged 1+k already. So I would guess it is the total amount of all your charges?


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (17,400) | Discover IT (12,700) | Chase Freedom (4,800) | Walmart (4,500) | CapOne (1,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 748 (4/30) EQ 730 (4/26) EX 748 (12/5)

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

Re: Zync NPSL - Check Spending ability (question)

Duncanrr, or someone that knows, can you explain to me how to post a screen shot? I was gonna post my account screen shot and explain something but realized that i dont know how to do the screen shot? lol



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: Zync NPSL - Check Spending ability (question)

I use print screen button on keyboard then paste it in MS Paint application. Crop it up n save as jpg. When you type up message ere there is button on top bar to insert image. Click on that and select browse. Go to where you saved image and select it.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Zync NPSL - Check Spending ability (question)


gettnthere wrote:

Duncanrr, or someone that knows, can you explain to me how to post a screen shot? I was gonna post my account screen shot and explain something but realized that i dont know how to do the screen shot? lol


Dont feel bad, I didn't find out how to quote for like 2 months :smileytongue: 

 

Print Screen is your friend :smileytongue: 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+