topic Re: Zync American Express in Credit Cards

Zync American Express

Creditaddict — Thu, 07 Jan 2010 22:19:31 GMT

I think this is the prettiest credit card I have ever seen besides the Black American Express of course.

Re: Zync American Express

Watchmann — Thu, 07 Jan 2010 23:11:35 GMT

Forget that trash talk about being pretty. You need to look at it like the UPS ad ......"What can ~~Brown~~ 'Zync' do for you?" Is it beneficial to you or not? If it isn't just keep on going.

Re: Zync American Express

Creditaddict — Thu, 07 Jan 2010 23:13:23 GMT

it's better than the Green that it was product changed from!

Re: Zync American Express

manyquestions — Fri, 08 Jan 2010 01:19:06 GMT

**bleep** straight! I traded my Green for the Zync for prettiness sake. Shout it from the highest mountain.

Re: Zync American Express

Red1Blue — Fri, 08 Jan 2010 01:23:42 GMT

So much for looks. Amex is brain dead. I have active Amex Biz Platinum Charge card on which I could charge more than $15k. But they declined me for Zync card stating my risc score is too high. They are nuts.

Re: Zync American Express

Anonymous — Fri, 08 Jan 2010 01:45:47 GMT

CreditAddict, was the switch from Green to Zync as easy as asking for a product change? I love my charge card, but I don't want to pay the $175 AF that is creeping due in February.

Re: Zync American Express

Anonymous — Fri, 08 Jan 2010 01:45:52 GMT

@Red1Blue wrote:
So much for looks. Amex is brain dead. I have active Amex Biz Platinum Charge card on which I could charge more than $15k. But they declined me for Zync card stating my risc score is too high. They are nuts.

I've been a card carrying Amex member since 2000. Nothing bad ever, they gave me a personal Plat card and declined me for a Costco Amex? Same basic idea.....even though my FICOs were 760+ I was too risky based on their internal risk score.

So I stopped using them altogether because they seem like they don't know their ass from their elbow.

Re: Zync American Express

Creditaddict — Fri, 08 Jan 2010 02:06:36 GMT

yes as easy as call and thank you... once the account switches over online, you go in and add the packages you want yourself.

Re: Zync American Express

Anonymous — Fri, 08 Jan 2010 02:36:03 GMT

@Creditaddict wrote:
yes as easy as call and thank you... once the account switches over online, you go in and add the packages you want yourself.

Thanks for that! I called and switched. She said the only difference is that you can't switch your MR points to other cards like SkyMiles. I only have a Clear, so as long as I don't lose my 35,000 MR points (she promised I wouldn't) then that means nothing to me.

I have so many recurring bills on my Gold that I was hesitant to close it. This was a great option for me. Thanks for letting me know!

Re: Zync American Express

MattH — Fri, 08 Jan 2010 02:36:05 GMT

Here is what a NY Times commentator says about Zync:

Article

Re: Zync American Express

Anonymous — Fri, 08 Jan 2010 03:19:04 GMT

@MattH wrote:
Here is what a NY Times commentator says about Zync:
Article

Thanks for the link. Seems like the same deal. One point per dollar and all that. Except with a substantially less annual fee.

I love having a charge card since it is close to using a debit card. It forces me to be responsible with my spending. I just don't want to pay such a high fee for the "privilege" of carrying it.

Re: Zync American Express

Watchmann — Fri, 08 Jan 2010 05:37:53 GMT

@MattH wrote:
Here is what a NY Times commentator says about Zync:
Article

Yep, it's the Grown Up Amex Card on triaining wheels. It's designed for the younger folks and not for those with more substantial credit files. That's fine, people need to have a vehicle to establish themselves. I see no real advantage in this card over a standard green, except it's a bit cheaper and has the 'Zync' desiganation.

Re: Zync American Express

Ron1 — Fri, 08 Jan 2010 05:53:39 GMT

It is not such a good idea to charge 15k on Amex Charge Card nowadays.

Ron.

Message Edited by Ron1 on 01-07-2010 09:53 PM

Re: Zync American Express

Watchmann — Fri, 08 Jan 2010 07:06:05 GMT

@Ron1 wrote:
It is not such a good idea to charge 15k on Amex Charge Card nowadays.

Ron.
Message Edited by Ron1 on 01-07-2010 09:53 PM

Why is that Ron? I just charged $18,000 on my Charge Card and would like to know why that is so bad.

Re: Zync American Express

Ron1 — Fri, 08 Jan 2010 07:39:57 GMT

They might suspense your account to ask for financial like income tax return. You cannot predict they're going to do. YMMV.

Ron.

Message Edited by Ron1 on 01-07-2010 11:39 PM