topic Re: PC Amex Zync to Green or Gold? in Credit Cards

PC Amex Zync to Green or Gold?

bichonmom — Mon, 12 Mar 2012 00:29:12 GMT

The Zync rewards aren't what I thought they'd be, so I am thinking about PC-ing at my 1-yr anniversary. I have a couple of questions:

#1, Do they do a HP when you PC from one charge to another?

#2, Normally, they waive the AF for the first year. When you PC, would the first year's AF for the new card be waived? Or do they consider that a continuation of your previous card and charge the AF?

Thanks!

Re: PC Amex Zync to Green or Gold?

afbar1114 — Mon, 12 Mar 2012 00:32:35 GMT

@bichonmom wrote:
The Zync rewards aren't what I thought they'd be, so I am thinking about PC-ing at my 1-yr anniversary. I have a couple of questions:

#1, Do they do a HP when you PC from one charge to another?

#2, Normally, they waive the AF for the first year. When you PC, would the first year's AF for the new card be waived? Or do they consider that a continuation of your previous card and charge the AF?

Thanks!

you cant PC from ZYNC to any card...you need to do a new app for it

Re: PC Amex Zync to Green or Gold?

bichonmom — Mon, 12 Mar 2012 00:45:26 GMT

Shoot. I was thinking it was the other way around. Oh, well.

Re: PC Amex Zync to Green or Gold?

Anonymous — Mon, 12 Mar 2012 00:46:17 GMT

@afbar1114 wrote:
@bichonmom wrote:
The Zync rewards aren't what I thought they'd be, so I am thinking about PC-ing at my 1-yr anniversary. I have a couple of questions:

#1, Do they do a HP when you PC from one charge to another?

#2, Normally, they waive the AF for the first year. When you PC, would the first year's AF for the new card be waived? Or do they consider that a continuation of your previous card and charge the AF?

Thanks!

you cant PC from ZYNC to any card...you need to do a new app for it

Yes you can, after 13 months.

Re: PC Amex Zync to Green or Gold?

bichonmom — Mon, 12 Mar 2012 00:51:12 GMT

Okay. Now, I'm confused. I remember reading both of those things here.

Has anyone PCd from Zync to Gold or Green?

Re: PC Amex Zync to Green or Gold?

Anonymous — Mon, 12 Mar 2012 00:54:04 GMT

@bichonmom wrote:
Okay. Now, I'm confused. I remember reading both of those things here.

Has anyone PCd from Zync to Gold or Green?

Unless my eyes are color blind, my friends card changed from white to green after 13 months. It was a SP he said.

Re: PC Amex Zync to Green or Gold?

Anonymous — Mon, 12 Mar 2012 00:55:36 GMT

@bichonmom wrote:
Okay. Now, I'm confused. I remember reading both of those things here.

Has anyone PCd from Zync to Gold or Green?

I went from Gold to Zync to Gold. I hadn't realized the differences in the rewards programs. So it is possible to product change the Zync. Your annual fee will not be waived again though.

Re: PC Amex Zync to Green or Gold?

bichonmom — Mon, 12 Mar 2012 00:58:27 GMT

Thanks for the replies!

Re: PC Amex Zync to Green or Gold?

Anonymous — Mon, 12 Mar 2012 00:59:55 GMT

Also if you werent offered a hard limit with zync, chances are you qualify for the other colors.

Re: PC Amex Zync to Green or Gold?

bichonmom — Mon, 12 Mar 2012 01:04:53 GMT

No limit imposed, and I also got Costco. So, I probably could have gotten one of the others. I just wasn't sure when I apped, so went for what was supposed to be the easiest one to qualify for. If I had known I'd be approved, I would have gone for the Green.

Re: PC Amex Zync to Green or Gold?

Anonymous — Mon, 12 Mar 2012 01:11:55 GMT

Well, since your currently a member you could app for green and if denied it would be a sp. Or you can wait until znyc turns 13mo. Do you plan on traveling? MR points are really only different than MRE points because they can be transfered to FF/FG accounts.

Re: PC Amex Zync to Green or Gold?

bichonmom — Mon, 12 Mar 2012 01:13:11 GMT

Yeah, I just really don't want an inq (assuming it's approved). I think I'll just wait it out. Also, I want to get a BCE, so maybe I'll do both apps together next year.

Re: PC Amex Zync to Green or Gold?

Anonymous — Mon, 12 Mar 2012 01:16:22 GMT

Not sure if I remember correctly or not but wouldnt that be 2 inq due to 1 being a charge product and the other credit?

Re: PC Amex Zync to Green or Gold?

bichonmom — Mon, 12 Mar 2012 01:23:20 GMT

That seems like a YMMV thing. Some people report 1 and others report 2. But you're right: I always go in knowing I could get the HP and then am relieved if I don't.

Re: PC Amex Zync to Green or Gold?

Anonymous — Mon, 12 Mar 2012 01:27:27 GMT

Good plan. Best of luck!

Re: PC Amex Zync to Green or Gold?

flowfaster — Mon, 12 Mar 2012 01:37:19 GMT

So what's the best way to go about getting the $30k AF green card if one already has a zync?

Re: PC Amex Zync to Green or Gold?

afbar1114 — Mon, 12 Mar 2012 01:38:25 GMT

AMEX told me you cant change from a ZYNC

Re: PC Amex Zync to Green or Gold?

Anonymous — Mon, 12 Mar 2012 01:40:36 GMT

@afbar1114 wrote:
AMEX told me you cant change from a ZYNC

Maybe they meant 'right now' you cant change do to only having the card a month?

Re: PC Amex Zync to Green or Gold?

jamesdwi — Mon, 12 Mar 2012 01:40:56 GMT

@bichonmom wrote:
The Zync rewards aren't what I thought they'd be, so I am thinking about PC-ing at my 1-yr anniversary. I have a couple of questions:

#1, Do they do a HP when you PC from one charge to another?

#2, Normally, they waive the AF for the first year. When you PC, would the first year's AF for the new card be waived? Or do they consider that a continuation of your previous card and charge the AF?

Thanks!

The better question is why do you want to PC a Zync card, better to just app for a second card the one of your choice and gain with backdating especially if you do it in the early part of the year, most rebuilders would gladly pay $25 for an extra year of of AAoA credit.

Re: PC Amex Zync to Green or Gold?

bichonmom — Mon, 12 Mar 2012 01:52:05 GMT

Good point. I'm just thinking about the number of Amex cards I would end up with, and having to keep them active, etc. Also, I'm concerned about how Amex reacts to one person having so many of their CCs. I would have 4 Amex (2 charges and 2 revolvers), which seems like a lot to me. But yeah, for the AAoA, it would be great!