topic Re: Amex Zync... in Credit Cards

Amex Zync...

afbar1114 — Mon, 27 Feb 2012 00:57:00 GMT

i started putting my gas on my Zync this past week.... is this a good idea or not? i plan on putting almost everything on my zync to build a good realtionship with amex and have alot of money go thru it.

Re: Amex Zync...

LS2982 — Mon, 27 Feb 2012 01:01:03 GMT

@afbar1114 wrote:
i started putting my gas on my Zync this past week.... is this a good idea or not? i plan on putting almost everything on my zync to build a good realtionship with amex and have alot of money go thru it.

Do you have the packs on your card?? I think there is one for gas.

Re: Amex Zync...

chan85 — Mon, 27 Feb 2012 01:01:05 GMT

Dont see why not. I use mine for gas no problems. what do you think will happen/go wrong?

Re: Amex Zync...

afbar1114 — Mon, 27 Feb 2012 01:01:58 GMT

i didnt see one for gas

Re: Amex Zync...

boomhower — Mon, 27 Feb 2012 01:02:49 GMT

Why wouldn't it be? Amex isn't a big scary monster. If you are really so worried about putting gas on the card you need to find another card provider. I put everything through my BCP and if they FR or close it, I'll go somewhere else.

Re: Amex Zync...

afbar1114 — Mon, 27 Feb 2012 01:04:16 GMT

@chan85 wrote:
Dont see why not. I use mine for gas no problems. what do you think will happen/go wrong?

a F/R

Re: Amex Zync...

Anonymous — Mon, 27 Feb 2012 01:08:29 GMT

I really can't forsee a problem. If you're worried that you're charging too much, you can use the "check your spending ability" button, that's why it is there. It won't trigger an F/R.

Re: Amex Zync...

LS2982 — Mon, 27 Feb 2012 01:08:39 GMT

@afbar1114 wrote:
@chan85 wrote:
Dont see why not. I use mine for gas no problems. what do you think will happen/go wrong?
a F/R

Gas won't get you F/R'ed, more apps will!! Stay gardening and youll be just fin e!

Re: Amex Zync...

afbar1114 — Mon, 27 Feb 2012 01:12:40 GMT

yea i am i am trying my hardest not to app for anything for 6 months if i make it that far ill try for another 6

Re: Amex Zync...

-Cain- — Mon, 27 Feb 2012 01:16:50 GMT

Use the card, do not be afraid.

Re: Amex Zync...

Anonymous — Mon, 27 Feb 2012 01:27:06 GMT

You're worried about an F/R for GAS? Yet you want to "have a lot of money go through it"? And you think it's not ok to spend some money because you want to spend a lot of money?

Dude. I don't know if you're ready for credit, after seeing your past 1.5 month of posts of ~15 posts a day. You question wanting to app for something else nearly every day, you are afraid of adverse actions just for using your card for normal everyday stuff (which the cards are meant for)... I just don't know.

Really, nothing to worry about, unless you plan on spending several thousand on gas in the span of a couple of days...

Re: Amex Zync...

Anonymous — Mon, 27 Feb 2012 01:30:05 GMT

Ive put many FR related things through platinum the first month I got it. The way I see it is if they deny a charge, Chase will gladly accept it. I dont worry about a FR.

Re: Amex Zync...

Ron1 — Mon, 27 Feb 2012 01:50:13 GMT

I use mine everywhere.

Ron.

Re: Amex Zync...

Anonymous — Mon, 27 Feb 2012 01:59:13 GMT

I think we, collectively, have become way too paranoid about F/R's. I'll admit that I'd be irriated if I had to fill out some sort of forms and send them to Amex. But having dealt with all sorts of bureaucratic nonsense before (not the least of which has been with Homeland Security/USCIS and the FBI NICS VAF), I really have no problem submitting the documents to them if they REALLY want it that badly.

Plus I just mailed my tax documents to my accountant last week, so he should have them all prepared by the time Amex tries to FR me. Most of what I'm using my Zync for right now is reloading my Starbucks card - so hey, if they're that worried about me buying coffee, I guess they can review my finances.

Bottom line, I don't think we should worry about getting FRed that much. And if you're that opposed to it.. just don't get an Amex card. It's not like we can't live without them.

Re: Amex Zync...

afbar1114 — Mon, 27 Feb 2012 02:28:27 GMT

@Anonymous wrote:
You're worried about an F/R for GAS? Yet you want to "have a lot of money go through it"? And you think it's not ok to spend some money because you want to spend a lot of money?

Dude. I don't know if you're ready for credit, after seeing your past 1.5 month of posts of ~15 posts a day. You question wanting to app for something else nearly every day, you are afraid of adverse actions just for using your card for normal everyday stuff (which the cards are meant for)... I just don't know.

Really, nothing to worry about, unless you plan on spending several thousand on gas in the span of a couple of days...

i have had credit for a long time just never had prime cards upuntil a month ago. i just hear people getting F/Rd for random stuff..

Re: Amex Zync...

afbar1114 — Mon, 27 Feb 2012 02:29:50 GMT

@Anonymous wrote:
I think we, collectively, have become way too paranoid about F/R's. I'll admit that I'd be irriated if I had to fill out some sort of forms and send them to Amex. But having dealt with all sorts of bureaucratic nonsense before (not the least of which has been with Homeland Security/USCIS and the FBI NICS VAF), I really have no problem submitting the documents to them if they REALLY want it that badly.

Plus I just mailed my tax documents to my accountant last week, so he should have them all prepared by the time Amex tries to FR me. Most of what I'm using my Zync for right now is reloading my Starbucks card - so hey, if they're that worried about me buying coffee, I guess they can review my finances.

Bottom line, I don't think we should worry about getting FRed that much. And if you're that opposed to it.. just don't get an Amex card. It's not like we can't live without them.

i think your right on this as long as i am not doing anything fishy i shouldnt have any issues...... just one more thing what about vacations/traveling do they see that as an issue?

Re: Amex Zync...

Anonymous — Mon, 27 Feb 2012 02:32:33 GMT

@afbar1114 wrote:
@Anonymous wrote:
I think we, collectively, have become way too paranoid about F/R's. I'll admit that I'd be irriated if I had to fill out some sort of forms and send them to Amex. But having dealt with all sorts of bureaucratic nonsense before (not the least of which has been with Homeland Security/USCIS and the FBI NICS VAF), I really have no problem submitting the documents to them if they REALLY want it that badly.

Plus I just mailed my tax documents to my accountant last week, so he should have them all prepared by the time Amex tries to FR me. Most of what I'm using my Zync for right now is reloading my Starbucks card - so hey, if they're that worried about me buying coffee, I guess they can review my finances.

Bottom line, I don't think we should worry about getting FRed that much. And if you're that opposed to it.. just don't get an Amex card. It's not like we can't live without them.
i think your right on this as long as i am not doing anything fishy i shouldnt have any issues...... just one more thing what about vacations/traveling do they see that as an issue?

Not in my experience. Just charged an entire vacation to HI and back. Not even a phone call from them.

Re: Amex Zync...

afbar1114 — Mon, 27 Feb 2012 02:35:52 GMT

@Anonymous wrote:
@afbar1114 wrote:
@Anonymous wrote:
I think we, collectively, have become way too paranoid about F/R's. I'll admit that I'd be irriated if I had to fill out some sort of forms and send them to Amex. But having dealt with all sorts of bureaucratic nonsense before (not the least of which has been with Homeland Security/USCIS and the FBI NICS VAF), I really have no problem submitting the documents to them if they REALLY want it that badly.

Plus I just mailed my tax documents to my accountant last week, so he should have them all prepared by the time Amex tries to FR me. Most of what I'm using my Zync for right now is reloading my Starbucks card - so hey, if they're that worried about me buying coffee, I guess they can review my finances.

Bottom line, I don't think we should worry about getting FRed that much. And if you're that opposed to it.. just don't get an Amex card. It's not like we can't live without them.
i think your right on this as long as i am not doing anything fishy i shouldnt have any issues...... just one more thing what about vacations/traveling do they see that as an issue?
Not in my experience. Just charged an entire vacation to HI and back. Not even a phone call from them.

ok thanks.... i guess theres really no rhyme or reason why amex does a F/R

Re: Amex Zync...

Anonymous — Mon, 27 Feb 2012 02:41:18 GMT

Only thing to worry about is if you lied on the app. If not, just carry another card with you whereever you go and dont worry about it.

Re: Amex Zync...

Anonymous — Mon, 27 Feb 2012 04:04:49 GMT

@Anonymous wrote:
Only thing to worry about is if you lied on the app. If not, just carry another card with you whereever you go and dont worry about it.

+1

I'd suggest this in general, not just with Amex. Never rely on just one card, you never know when something's gonna happen (FR with Amex, BofA throwing a hissy fit, whatever). I have 3 CCs (NFCU, Discover, Amex) and a debit card in my wallet, just in case.

Granted, it would suck if I lost my wallet or it got stolen, but I just don't trust any bank enough to have only ONE credit card in my wallet. If I was taking a trip - especially overseas - I'd probably bring all my major credit cards with me. I'd rather lose one/have it stolen and have to contact the CCC for a replacement than get stranded somewhere.