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Established Member
lorenzj4
Posts: 20
Registered: ‎01-12-2012
0

Zync counter offer

Applied online and got the counter offer of 500 autopay or 200. I decided to open up a new window and do some research before a accepted one of the offers.
When I switched back over the page had timed out and now there's no way to go back and make my choice. I called the rep, he seemed clueless about a 500/200 offer. All that he could tell was my application was pending. Did they just cancel my app because I didn't make a choice? Thanks for any help. I cant believe i did this.

Established Contributor
2NE1
Posts: 1,002
Registered: ‎12-06-2011
0

Re: Zync counter offer

There are tons of Zync topics (with regards to the 500/200 set limits) on this forum, you shoulve definitely made your research on here first...

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
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Contributor
G19OD
Posts: 119
Registered: ‎06-19-2012
0

Re: Zync counter offer

This sounds like a pretty unique case 2NE1.

 

OP, I would assume the app is being reviewed and/or you need to call to accept? Strange he didn't know about it. Hope for NSPL!

Valued Contributor
j_casteel
Posts: 1,918
Registered: ‎06-21-2012
0

Re: Zync counter offer


lorenzj4 wrote:

Applied online and got the counter offer of 500 autopay or 200. I decided to open up a new window and do some research before a accepted one of the offers.
When I switched back over the page had timed out and now there's no way to go back and make my choice. I called the rep, he seemed clueless about a 500/200 offer. All that he could tell was my application was pending. Did they just cancel my app because I didn't make a choice? Thanks for any help. I cant believe i did this.


I randomly applied for the Zync last month. I never had an AMEX before nor had any current offers from them. They gave me the option for the $500 w/autopay or $200 hard limit card as well. I took the $500 card. Been a great card so far. I'm sure you can just call and talk to the rep and let them know that their site had issues while processing your app and they will get you fixed up!

 

Good Luck...maybe sense you didn't select either choice, and they approve you then you can get the NPSL. Either way, congrats on getting in with AMEX if you choose to do so.

 

John

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
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across the board
Valued Contributor
Repo-ed
Posts: 2,960
Registered: ‎02-09-2012
0

Re: Zync counter offer

I can understand the fear of not wanting to talk to a CS for any card issuer, but I've had nothing but success each time I needed to recon.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Zync counter offer

This is not uncommon for the offer to go away quick if not responded to, and CS doesn't know much if any about the offer. I would suggest calling the executive office in the backdoor thread at the top of the forum.



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Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Frequent Contributor
CreditMuppet
Posts: 309
Registered: ‎08-05-2011
0

Re: Zync counter offer

Yeah, all credit card applications use 'sessions' which will expire after $x seconds of inactivity, which is probably what happened here, once started you must keep the app going as usually the only way of getting back to that offer screen is to start again. Problem you have now is AMEX reps probably can not help you with a product offered by automatic underwriting. Good Luck!

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Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Zync counter offer

 

Most of the AMEX CSRs don't know about the offer.   YMMV but I don't know if you'll be able to get the offer back since you didn't respond to it when you applied.

 

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Member
lorenzj4
Posts: 20
Registered: ‎01-12-2012
0

Re: Zync counter offer

I think your right. I called this morning, same result. No one knows what im talking about or they just tell me is was declined. Damn.
Valued Contributor
Crashem
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Zync counter offer

[ Edited ]
Call executive office number. Tell them you tried to accept and got some website error.
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