AMEX Zync hard limit question.

[Memo10]

Hello all,

I recently received my AMEX Zync card and when I initially signed into my account it displayed a $250 hard limit. It has been two days that I have had the card and it now displays NPSL. My question is will the hard limit fluctuate at times?

[Anonymous]

Chances are they gave you the hard limit until your actual card arrives so that you can use you card immediately. I had the same option, to receive my account number, and take a $250 hard limit but I passed. Mine is also NPSL. So I would imagine that once you get your card, that hard limit will cease to be on the account and it will revert back to NPSL. 

Congrats on the approval!

[pizzadude]

Logan is correct, you have a NPSL ZYNC card, the limit was just temporary until it arrived.

[Memo10]

Actually the day I received the card was the day I created my online account. I also opted out of receiving the "virtual" account number once I was approved and preferred to wait for the card and then create the account. That exact day I created the account was when it displayed the hard limit. Today, two days later after receiving the card it now has NPSL. So in your opinion I shouldn't worry about the NPSL being reverted back to the $250 hard limit?

[Anonymous]

No, I wouldn't. But you can always check your spending ability and it will either approve you to spend that amount, or deny you.

[Memo10]

Thanks logan_720 and pizzadude for the quick responses.

I guess I'm a bit concerned that it would be reverted back, since I will be using this card for everday purchases and a $250 limit is hardly enough!

[Anonymous]

I would use it as a NPSL and wouldn't worry about it.  But, you could send Amex a secure message or call them about it.

[Anonymous]

I don't think you should have any concern, I use mine on a daily basis and have never had a problem with acceptance o r anything like that. You could always give Amex a call to give you a clear understanding though, their customer service is some of the best in the business.

[pizzadude]

If they were going to slap you with a Hard Limit they would have done so when you applied ~ I have a $200 hard limit on my ZYNC, they declined me for a NPSL card but counter~offered a Hard Limit ZYNC.

[Anonymous]

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@pizzadude wrote:

If they were going to slap you with a Hard Limit they would have done so when you applied ~ I have a $200 hard limit on my ZYNC, they declined me for a NPSL card but counter~offered a Hard Limit ZYNC.

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+1