Reply
Member
Posts: 9
Registered: ‎05-15-2012
0

amex zync $500 hard limit

Confirmed today after a conversation with the rep that the $500 zync is it's own card and will never be NPSL for those who are wondering. You just have to apply for another card. 

Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: amex zync $500 hard limit


redlinestable wrote:

Confirmed today after a conversation with the rep that the $500 zync is it's own card and will never be NPSL for those who are wondering. You just have to apply for another card. 


That seems to be the consensus, although a few people have occasionally reported being told otherwise.     In either case I agree that the best approach for those of us with the Hard Limit cards seems to be to just app for another charge card, either Green or Zync.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
Posts: 599
Registered: ‎03-10-2012
0

Re: amex zync $500 hard limit

Unfortunate that it seems that way-no chance of ever having the hard limit lifted. Then again, with it's paltry MRE and Annual Fee (and you can't even use the AMEX mall right now to earn extra points online) It's not going to be a long-term card for a lot of people anyways even with NPSL.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Frequent Contributor
Posts: 309
Registered: ‎09-06-2011
0

Re: amex zync $500 hard limit

I have a Zync with $500 hard limit and frankly it does not bother me. I actually don't like or have use for charge cards. I'm more of a credit card person. The only reason I got Zync is because of my credit and to get my foot in the door. In a year or two when my credit really improves Im going to app for BCE which will backdate. I'm thinking I can probably do BCE January 2014 which will backdate 2 years and then cancel Zync especially since it's $500 and $25 AF. I don't spend much and usually pay off my bills before statement cuts, however I do like the freedom to carry a balance in case of an emergency if needed.

NFCU Visa Sig $30k / Amex Blue Cash $25.5k / Fidelity Amex $25k / Chase Freedom $14.5k / Citi Double Cash $5k / Capital One Quicksilver Visa Sig $5k / Citi Best Buy MC $3K / Barclay Rewards MC $2.95k / BOA - BBR $2.5k / SY Lowes $15k / SY Amazon $6k / Target RedCard - $300
Member
Posts: 9
Registered: ‎05-15-2012
0

Re: amex zync $500 hard limit

Yep only reason I even considered the zync was a "foot in the door" for the BCP. 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.