AMEX Zync credit score

[Anonymous]

Someone correct me if I'm wrong... but I think you can only PC in the same category... and after a year...

You can pc a zync to a green, gold, platinum etc charge card. You can also apply for a credit card and have a good shot at being approved. Likewise, you can't PC a revolving product to a charge.

[slarano]

Just looking at the charge card comparisons, and noticed that it lists Zync as a $15 annual fee. Is that correct? Because my card has a $25 annual fee. Are all Zync's now $15 AF? Perhaps I should call to get mine adjusted?

[dude11]

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@simonlarano wrote:

Just looking at the charge card comparisons, and noticed that it lists Zync as a $15 annual fee. Is that correct? Because my card has a $25 annual fee. Are all Zync's now $15 AF? Perhaps I should call to get mine adjusted?

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It's actually $15 for an additional card holder. If you were logged in while comparing the cards I believe it was listing the additional card holder AF. The $25 AF is still in place for the primary card holder though.

[slarano]

Ah thanks. I'll let my brother know, as he's looking to be an AU soon.

[CS800]

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@daylove wrote:

the Zinc is subprime so you do not have a great CR. They pretty much approve anyone.

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I was going through some of my old posts and noticed this one.

Are you for real? Zync is a subprime? I don't think I agree with your statement.

Anyone else can chime in on this one.

[Anonymous]

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@CS800 wrote:

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@daylove wrote:

the Zinc is subprime so you do not have a great CR. They pretty much approve anyone.

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I was going through some of my old posts and noticed this one.

Are you for real? Zync is a subprime? I don't think I agree with your statement.

Anyone else can chime in on this one.

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No I also disagree with that statement. I have a few subprime cards and was denied for zync. When I called to appeal they told me an EX around mid 600s is what they'd want from me personally. As far as PC'ing I also heard you cannot PC zync but I may be wrong there but Zync is def not a subprime card as far as I know and as far as approving anyone based off credit scores reported in siggys on this forum they wouldn't approve a large percentage of people on here. I agree that it's AMEX's starter card but i dont agree with subprime or approving anyone.

[dude11]

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@CS800 wrote:

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@daylove wrote:

the Zinc is subprime so you do not have a great CR. They pretty much approve anyone.

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I was going through some of my old posts and noticed this one.

Are you for real? Zync is a subprime? I don't think I agree with your statement.

Anyone else can chime in on this one.

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I believe Amex is a prime card issuer. Don't think any of their cards would be considered subprime. There are even posts here that people with FICO's in the 700s have been denied for Zync card so I wouldn't think it would be subprime. Don't believe everything you read here because there is a lot of people that seem to be misinformed.

[Anonymous]

Although Zync might be the easiest to get with AMEX starting out, I wouldn't consider it as subprime, because just as their other cards, they'll look down on lates, bk, and other negative CR info, whereas a Subprime could overlook those, and charge outrageous interest, and fees in order to make up for that.  Plus, with Zync, you get a lot of the same card benefits and security as the other charge and revoling lines, so I don't see anything "subprime" about that.

[Anonymous]

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@Anonymous wrote:

Although Zync might be the easiest to get with AMEX starting out, I wouldn't consider it as subprime, because just as their other cards, they'll look down on lates, bk, and other negative CR info, whereas a Subprime could overlook those, and charge outrageous interest, and fees in order to make up for that.  Plus, with Zync, you get a lot of the same card benefits and security as the other charge and revoling lines, so I don't see anything "subprime" about that.

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Agreed. Fiance's Zync has a 2.99% rate if not PIF and my subprime BoA secured is I believe 24.99%

[CS800]

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@Anonymous wrote:

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@Anonymous wrote:

Although Zync might be the easiest to get with AMEX starting out, I wouldn't consider it as subprime, because just as their other cards, they'll look down on lates, bk, and other negative CR info, whereas a Subprime could overlook those, and charge outrageous interest, and fees in order to make up for that.  Plus, with Zync, you get a lot of the same card benefits and security as the other charge and revoling lines, so I don't see anything "subprime" about that.

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Agreed. Fiance's Zync has a 2.99% rate if not PIF and my subprime BoA secured is I believe 24.99%

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I thought Zync being a chrage card, you have to pay in full every month? Maybe I misread your statement (wouldn't be the first time) But not PIF means you carry a balance forward to the next billing period?