Valued Contributor
Duncanrr
Posts: 2,500
Registered: ‎06-08-2012
Zync NPSL - Check Spending ability (question)

‎10-04-2012 12:41 PM

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 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
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Revelate
Posts: 4,257
Registered: ‎12-30-2011
Re: Zync NPSL - Check Spending ability (question)

‎10-04-2012 01:41 PM

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 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)

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Valued Member
KBraggs
Posts: 40
Registered: ‎11-12-2009
Re: Zync NPSL - Check Spending ability (question)
[ Edited ]

‎10-04-2012 01:41 PM - edited ‎10-04-2012 01:43 PM

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.

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Frequent Contributor
shakalaka
Posts: 438
Registered: ‎09-10-2012
Re: Zync NPSL - Check Spending ability (question)

‎10-04-2012 01:43 PM

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 (12,000) | Discover IT (8,000) | Chase Freedom (4,000) | Walmart (850) | Alliant CU Visa | CapOne Newcomers MC | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 726 (5/13) EQ 694 (5/18) EX 714 (1/26)
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Established Contributor
gettnthere
Posts: 899
Registered: ‎06-14-2012
Re: Zync NPSL - Check Spending ability (question)

‎10-04-2012 04:16 PM

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
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
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Valued Contributor
Duncanrr
Posts: 2,500
Registered: ‎06-08-2012
Re: Zync NPSL - Check Spending ability (question)

‎10-04-2012 05:50 PM

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 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
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Valued Contributor
jsucool76
Posts: 2,629
Registered: ‎12-11-2011
Re: Zync NPSL - Check Spending ability (question)

‎10-04-2012 06:19 PM

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: 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
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