AMEX Zync hard limit question.

[FicoTron]

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@Memo10 wrote:

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?

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Just curious if you had any baddies showing and what your util and AAoA was at the time of your approval?

[LS2982]

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@Anonymous wrote:

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!

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+1

Congrats!!!!

[Memo10]

My AAoA is actually 0.7 years according to USAA CMS. I have no baddies showing and the util I had at the time of approval was at 36%.

[LS2982]

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@Memo10 wrote:

My AAoA is actually 0.7 years according to USAA CMS. I have no baddies showing and the util I had at the time of approval was at 36%.

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Wow thats pretty high for AMEX approvals, the no derogs probably made them overlook it.