topic Re: AMEX Zync internal limit in Credit Cards

AMEX Zync internal limit

LS2982 — Mon, 07 May 2012 16:02:15 GMT

Has anyone gotten any success being able to find out your internal limit on a Zync card? I have NPSL and from what the rep told me they go by spending patterns and they do not have a specific number to give me. Thats kinda confusing, the last thing I want to do is have declined purchase or FR. Im trying to move all my purchases to AMEX/Discover and want to do this the right way. Thanks!

Re: AMEX Zync internal limit

espnjunkie — Mon, 07 May 2012 16:12:45 GMT

Try using the "check spending button" ? Don't go too crazy with it, but it is there for a reason. The benefit of charge cards is that you never have to ask for a cli and as long as you are moking your monthly payments your internal limit will grow quickly. Each transaction is approved/denied on a case-by-case basis, but the spending limit button will give you a pretty good idea of what your current limit is.

Re: AMEX Zync internal limit

LS2982 — Mon, 07 May 2012 16:16:52 GMT

I tend to stay away from that button. If they cant give me a number on it im gonna spend $200 more each month and build a pattern with them. I would be pretty upset/embarrased my card gets declined.

Re: AMEX Zync internal limit

espnjunkie — Mon, 07 May 2012 16:20:54 GMT

I really wouldn't be afraid of using that button, just do not go crazy with it. Pick a number, say 5,000.00 and see if that gets approved. If yes, put in a slightly higher number, if no go lower and try it. Just by doing that and using the button twice you will have a good idea of where you stand. They made that button for you to use it to help you know what your limit is. Just don't use it 10 X a day

Re: AMEX Zync internal limit

tray — Mon, 07 May 2012 16:24:12 GMT

@espnjunkie wrote:
Try using the "check spending button" ? Don't go too crazy with it, but it is there for a reason. The benefit of charge cards is that you never have to ask for a cli and as long as you are moking your monthly payments your internal limit will grow quickly. Each transaction is approved/denied on a case-by-case basis, but the spending limit button will give you a pretty good idea of what your current limit is.

I have used this button a few times without any isssues from amex on it's usage that link is there for a reason

Re: AMEX Zync internal limit

Anonymous — Mon, 07 May 2012 16:25:56 GMT

I jus called and rep told me mine was around $1500.00

Re: AMEX Zync internal limit

espnjunkie — Mon, 07 May 2012 16:31:13 GMT

After a few months of solid history amex will cut you more slack and you shouldn't have any problems getting all the spending power you need. Obviously don't go wild one month, but you should be all good

Re: AMEX Zync internal limit

Anonymous — Mon, 07 May 2012 19:33:31 GMT

I called a couple of months ago on my Green. I explained that I wanted to use them as my primary card and was in the process of transitioning more of my spending from my Visa and M/C over to them. Since I didn't want to get embarrassed with a decline at the register or while picking up the check at dinner, I asked them if they could tell me my internal limit, which they did. I was very happy with the result.

As others have mentioned, your Zync will grow with you with usage and good payment history. If you are concerened about where your limit is, call and ask. The CSR was very friendly about it.

Re: AMEX Zync internal limit

afbar1114 — Mon, 07 May 2012 19:49:33 GMT

My limit is about $1480 for now. They said six months i wouldnt have to worry

Re: AMEX Zync internal limit

laboi_22 — Tue, 08 May 2012 00:23:48 GMT

I had my Zync for only a few months and I was able to get approved on the check your spending ability for 5000. Last month I check it approved 10500. That got me interested in what my internal limit really was. At this point I was just curious as I didn't have to worry about getting declined anyway. I called and the very nice rep stated that my limit is 20000. Wow. I love AMEX. I agree. I use the spending limit button without any issues. I use it once a month to see how much I increase from the last. Or you could just call since checking the spending limit doesn't always get as high as you really might be.

Re: AMEX Zync internal limit

spengbab — Tue, 08 May 2012 00:27:25 GMT

At first AMEX was hesitant on giving me $500 to spend lol.

Then they were fine with $2000...

Then $3000...

Then $5000....

and now $7500 lol.

Re: AMEX Zync internal limit

Anonymous — Tue, 08 May 2012 00:56:27 GMT

They denied me for $1,000 within a month after recieving my card, I have only used it slightly, not really pushing a whole lot through it, just day to day stuff. I checked just now and I'm at $3000. I'm fine with that

Re: AMEX Zync internal limit

afbar1114 — Tue, 08 May 2012 01:04:35 GMT

a few weeks after i got the card i called and asked they said it was $1k now its up to $1480. they said it goes up everytime you pay the bill and it will go up again when i pay the bill next month

Re: AMEX Zync internal limit

Repo-ed — Tue, 08 May 2012 01:49:41 GMT

@afbar1114 wrote:
a few weeks after i got the card i called and asked they said it was $1k now its up to $1480. they said it goes up everytime you pay the bill and it will go up again when i pay the bill next month

Makes sense

Re: AMEX Zync internal limit

webhopper — Tue, 08 May 2012 02:17:08 GMT

@Repo-ed wrote:
@afbar1114 wrote:
a few weeks after i got the card i called and asked they said it was $1k now its up to $1480. they said it goes up everytime you pay the bill and it will go up again when i pay the bill next month
Makes sense

I checked Spending ability at 2k when I first got the card... Approved.

Checked it at 3k in March, Approved

Checked it at 5k in April, Approved.

Will check it again if/when I plan on spending more than 5k through the card.

Re: AMEX Zync internal limit

afbar1114 — Tue, 08 May 2012 02:21:51 GMT

i dont plan on spending more the $300 a month now since i have boa and freedom. better rewards. but the NPSL looks good to lenders and may help me get better limits. plus amex has a diffrent level of stuff like a lounge at malls by me

Re: AMEX Zync internal limit

808state — Tue, 08 May 2012 02:27:58 GMT

My first Zync purchase was airline tickets from US to Israel $1200. It was approved without an issue. I have never been declined making purchses up to $4k, of course always PIf at months end.

Out of curiousity a few days ago I used the button to check if I would be approved on $10k, and it was approved. Not sure what my ceiling is, but it seems to be higher than I would ever need! I do use the card monthly, with an avg of $1k - $2k. Had it since 2010