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Amex Zync Credit Limit Button???!

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Anonymous
Not applicable

Amex Zync Credit Limit Button???!

Is it bad if u try to use that button to kind of see if u have a high limit? 

Message 1 of 17
16 REPLIES 16
Viper786
Regular Contributor

Re: Amex Zync Credit Limit Button???!

I've heard they may FR you. I tried 5k once just for fun and it was approved.

EQ - 701 FICO - ScoreWatch (8/2016) | TU - 754 FICO - Fico 8 (8/2016) | EX - 710 Fico - Fico 8 (8/2016)
Amazon Store Card - $10,000 | Amex BCE - $2k | Barclaycard Ring - $2.5k | Capital One Platinum - $7,500 | Capital One Venture - $10,000 | Capital One VentureOne - $7500 | Chase Freedom - $3.5k | Citi Diamond Preferred - $1500 | Discover It - $4200 | Ebates Visa - $25,000 | Macy's - $1700 | Lowes - $12,000 | Walmart MasterCard - $15,000
Message 2 of 17
pizzadude
Credit Mentor

Re: Amex Zync Credit Limit Button???!

 

They aren't going to FR you for checking your limit.  That's why they put the button there, to allow you to test an amount to see if your purchase will be approved.

 

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 17
Anonymous
Not applicable

Re: Amex Zync Credit Limit Button???!

i want to try it andjust put like 3000 or 4000 

 

Message 4 of 17
webhopper
Moderator Emeritus

Re: Amex Zync Credit Limit Button???!

I would put whatever you would reasonably expect to spend during a cycle
FICO 8:
Goal: Gardening!
Message 5 of 17
webhopper
Moderator Emeritus

Re: Amex Zync Credit Limit Button???!

Put something in line with with monthly income. If your gross monthly income is only 4k, don't ask Amex if you can spend 5k in the card. Mine was approved at 3k when I cheCked it. I actually spent 2953.
121k gross income
FICO 8:
Goal: Gardening!
Message 6 of 17
Anonymous
Not applicable

Re: Amex Zync Credit Limit Button???!

I while back I asked to spend $1200 and it declined me. Just now I checked for $3000 and it approved it. Not that I'm going to push that through th card in a month, but its good to know they increase your "internal limit" after a while.

Message 7 of 17
webhopper
Moderator Emeritus

Re: Amex Zync Credit Limit Button???!

I've read that your internal limit increases if you charge and pay a lot in the first few cycles, and pay like the day your statement cuts. It boosts your internal Amex score
FICO 8:
Goal: Gardening!
Message 8 of 17
Anonymous
Not applicable

Re: Amex Zync Credit Limit Button???!

This makes me want to app for Gold so bad Smiley Surprised

Message 9 of 17
Open123
Super Contributor

Re: Amex Zync Credit Limit Button???!

Of course, you should use the button when you need to know what you can charge at any given time.  

 

I'm sure there's "no" harm in doing so.  I wouldn't advise pressing it 50 times per day though.

Message 10 of 17
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