Reply
Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
0

Re: quick question?


Crashem wrote:

jsickz32 wrote:
@crashem i know thats why im not keeping the green. Do they let you keep the old card when you downgrade?? Ive never seen a zync in person so i wouldnt know but by the way people talk about it in here makes me want it(thanks for the peer pressure!!).
Funny story: i was buying water at S&S and had my green in my hand and this older guy saw my card and pulled out his gold and just looked at me and gave the thumbs up lol

You don't have to turn in your green card.  However not sure if it will still work however.  So your collection can continue to grow.  In fact, probably good idea to keep in just in case for future backdating reasons.

BTW, what is S&S?


I'm guessing Stop & Shop.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: quick question?

@webhopper exactly why i want it lol
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Senior Contributor
Wolf3
Posts: 3,197
Registered: ‎01-24-2010
0

Re: quick question?


jsickz32 wrote:

ive had my amex green for a month now and it has taken over my debit card. i like using it instead of my other cards but ive decided that the gold PR would be better for me because of the rewards. i also would like to have the zync just to have it(whats $25 a year). so my question is should i apply for the gold PR and is it possible to downgrade the green to zync or i have to wait a year to upgrade or downgrade my green?? in that case should i cancel my green and apply for both pr gold and zync? anyone in here has had the green and has upgraded to the gold and liked it better than the green? thanks


Don't see the point of GoldPR and Zync.  IMO, a charge and credit card are a better combination.  

 

My suggestion, call and upgrade Green to Gold PR now.   Wait a bit and then, apply for one of the credit cards.

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: quick question?


Wolf3 wrote:

jsickz32 wrote:

ive had my amex green for a month now and it has taken over my debit card. i like using it instead of my other cards but ive decided that the gold PR would be better for me because of the rewards. i also would like to have the zync just to have it(whats $25 a year). so my question is should i apply for the gold PR and is it possible to downgrade the green to zync or i have to wait a year to upgrade or downgrade my green?? in that case should i cancel my green and apply for both pr gold and zync? anyone in here has had the green and has upgraded to the gold and liked it better than the green? thanks


Don't see the point of GoldPR and Zync.  IMO, a charge and credit card are a better combination.  

 

My suggestion, call and upgrade Green to Gold PR now.   Wait a bit and then, apply for one of the credit cards.


your right there is no point of GOLDPR and Zync its just that i want those two...and i already have a bce from amex.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Moderator
Revelate
Posts: 9,735
Registered: ‎12-30-2011
0

Re: quick question?


Wolf3 wrote:

jsickz32 wrote:

ive had my amex green for a month now and it has taken over my debit card. i like using it instead of my other cards but ive decided that the gold PR would be better for me because of the rewards. i also would like to have the zync just to have it(whats $25 a year). so my question is should i apply for the gold PR and is it possible to downgrade the green to zync or i have to wait a year to upgrade or downgrade my green?? in that case should i cancel my green and apply for both pr gold and zync? anyone in here has had the green and has upgraded to the gold and liked it better than the green? thanks


Don't see the point of GoldPR and Zync.  IMO, a charge and credit card are a better combination.  

 

My suggestion, call and upgrade Green to Gold PR now.   Wait a bit and then, apply for one of the credit cards.


The rewards mechanics are different on the Zync and the Gold; if you're just trying to rack up MR points (for whatever reason) then having the Zync linked to your Gold is a straight rewards accelerator for whatever packs you've picked up... sometimes as much as 3x or higher which easily overcomes the extra AF on top of the Gold PR assuming your spend is sufficient.

 

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Valued Contributor
Repo-ed
Posts: 2,960
Registered: ‎02-09-2012
0

Re: quick question?

I'm in the group of those who do not concern themselves with AFs.  Those that do; however, are just fine in avoiding the cards that do.

 

That being said, you want the 3, get the 3.  I would even nudge you to go for the Platinum, if you fly frequently :smileyhappy:

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

Get those baddies removed!!!
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: quick question?


Repo-ed wrote:

I'm in the group of those who do not concern themselves with AFs.  Those that do; however, are just fine in avoiding the cards that do.

 

That being said, you want the 3, get the 3.  I would even nudge you to go for the Platinum, if you fly frequently :smileyhappy:


no only keeping 2. i do want the platinum though but not for flying because i dont fly at all but because of the concierge 24/7 services...i might try it in a year after having the goldpr

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: quick question?

I could see a zync and pr gold combine being beneficial for frequent travlers... zync could continue to take care of the small recurring bills like cell phone and direct Tv; where pr gold could be used to pick up the rental cars and plane ticks.

If my job increases the amount of travel that I'm required to take ive thought about either picking up pr gold or upgrading my nfcu card to the flagship rewards card. Or do both.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: quick question?

Jsickz... if you upgrade your nfcu card to the flagship you can have visa signature concierge withouth the hefty AF that amex charges. Just a thought. With amex you pay a lot more because of the airport lounge access

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor
Koop10010
Posts: 731
Registered: ‎02-15-2012
0

Re: quick question?


webhopper wrote:
Jsickz... if you upgrade your nfcu card to the flagship you can have visa signature concierge withouth the hefty AF that amex charges. Just a thought. With amex you pay a lot more because of the airport lounge access

+1  Any Visa Signature has a concierge service, some don't even have annual fees, like the Chase Sapphire.  No need for a platinum Amex just for that.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday

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
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}