I did something bad today and stepped out of the garden.... i applied for Zync and only got $500 preset limit 
... am happy I finally got my foot in the door after three tries in 6 months... i applied two months ago!!!! Now, would I ever get the hard limit removed??? I really don't wanna get stuck with another $500 limit card (but it is AMEX after all)..... what are the chances of me getting approve for their revolver????? am super happy cause this means my credit is getting a lot better....
Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
@kobe2012 wrote:I did something bad today and stepped out of the garden.... i applied for Zync and only got $500 preset limit
congrats on the card....the hard limit will not ever be removed. Doubtful that you could get a revolver since you were counter-offered with the hard limit and wasn't approved for the NPSL.
@j_casteel wrote:
@kobe2012 wrote:I did something bad today and stepped out of the garden.... i applied for Zync and only got $500 preset limit
congrats on the card....the hard limit will not ever be removed. Doubtful that you could get a revolver since you were counter-offered with the hard limi and weren't approved for the NPSL.
A revolver in the future in I meant??? would I stand a chance, let's say in 6 months?
I think I've heard of 2 or 3 people getting the hard limit removed, as opposed to tens if not a hundred counts of people having no luck getting it removed. After building up a history, it's worth trying for, but I wouldn't bet on it happening. Their policy on this might change in the future though and you may just get lucky. 
Enjoy your amex membership, I can't wait till I app for the zync.
@kobe2012 wrote:
@j_casteel wrote:
@kobe2012 wrote:I did something bad today and stepped out of the garden.... i applied for Zync and only got $500 preset limit
congrats on the card....the hard limit will not ever be removed. Doubtful that you could get a revolver since you were counter-offered with the hard limi and weren't approved for the NPSL.
A revolver in the future in I meant??? would I stand a chance, let's say in 6 months?
possibly, some say that having the Zync or being "in" with AMEX for 6-12 months helps out and others say it doesn't make a difference. I don't think it hurts your chances!
@jsucool76 wrote:I think I've heard of 2 or 3 people getting the hard limit removed, as opposed to tens if not a hundred counts of people having no luck getting it removed. After building up a history, it's worth trying for, but I wouldn't bet on it happening. Their policy on this might change in the future though and you may just get lucky.
Enjoy your amex membership, I can't wait till I app for the zync.
Don't worry about that. Garden it,, improve your score then apply for the Amex you want and enjoy their backdating!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@jsucool76 wrote:I think I've heard of 2 or 3 people getting the hard limit removed, as opposed to tens if not a hundred counts of people having no luck getting it removed. After building up a history, it's worth trying for, but I wouldn't bet on it happening. Their policy on this might change in the future though and you may just get lucky.
Enjoy your amex membership, I can't wait till I app for the zync.
lol, I wanna be the 4th person to get the hard limit removed !!!.... I'm so bad I just couldn't wait til december... but I'd probably just use it to pay my cell phone bill... to be on the safe side.... my first prime!!!!!!!!!! i'll treat it like a newborn.. 
Congrats! You're in with Amex.
