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So I applied because its always a SP when you have a Amex card if you get denied, and I checked the preview on the letter they're going to send and it says because you have Zync with a spending limit youcan't open another Amex... Question is...how do I get the spending limit lifted off and has any one had luck withgetting their spending limit lifted??
@colindidit wrote:So I applied because its always a SP when you have a Amex card if you get denied, and I checked the preview on the letter they're going to send and it says because you have Zync with a spending limit youcan't open another Amex... Question is...how do I get the spending limit lifted off and has any one had luck withgetting their spending limit lifted??
The short answer is no, close it, wait at least 30 days. Apply for what u want.
im sure thats not the only reason you were denied.
(my letter is unreadable online) waiting for the mail version
but anyway i got denied with the 721 score.
but they made no mention of having a psl zync.
they did mention time as amex member to short though. (since sept) which is just a filler reason in my opinion.
i haven't heard anyone getting it removed, i have heard of people with npsl zync's getting approved for other cards.
i have seen a couple people close zyncs re-apply and get approved. but im not willing too take that chance anytime soon.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
Hmm. Ill have to think about that...I really likemy Zync hah. I'll wait til my credit report updates in 2 weeks when I pay all my debt off then close and wait the 30 days...maybe
@colindidit wrote:Hmm. Ill have to think about that...I really likemy Zync hah. I'll wait til my credit report updates in 2 weeks when I pay all my debt off then close and wait the 30 days...maybe
what's your aaoa?
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
A little under two years which is another reason I don't wanna close anything I've only ever closed one card
@colindidit wrote:A little under two years which is another reason I don't wanna close anything I've only ever closed one card
How long have you had the card? If it's less than a year keep it, use it and pay in full. That's the behavior AMEX seems to like.
Since Aug. Been almost 6 month...after a year Ill call and ask
Just curious, how did you get a hard limit placed on your card? Or how does one get a limit placed on it?
When i applied I had high utilization but I paid off by the time I got the card..IN two weeks I'm gonna call and ask when my cc debt is paid off.