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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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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

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Moderator Emeritus
Posts: 11,282
Registered: ‎12-30-2011
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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 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Valued Member
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Registered: ‎11-12-2009
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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
Posts: 569
Registered: ‎09-10-2012
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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 (24,800) | Discover IT (16,200) | Citi DCB (7,000) | CapOne (7,000) | Chase Freedom (6,300) | Walmart (4,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)


Established Contributor
Posts: 912
Registered: ‎06-14-2012
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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
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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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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

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Super Contributor
Posts: 5,534
Registered: ‎12-11-2011
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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: 

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