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@LionLaw wrote:
I know there's a version of the Zync card that has a $500 limit if you have autopay enabled, and a $200 limit if you don't. That got me to thinking: does enabling autopay on a card with NPSL have a similar effect?
I'm in my first month with my Zync, I have autopay enabled, and the "check spending ability" tool has approved me for over $4000 (at least). I don't anticipate having a monthly balance any larger than that in the near future, so for me, the question is purely out of curiosity. Does anyone have any first-hand experience with getting increased spending ability by enabling autopay?
IMO I doubt that it does. The easiest way to increase your spending ability is to gradually increase your spending by hat you can afford and PIF. Charge cards from AMEX tend to have very nice CL's if you treat them right.
Your over thinking things, just use the card for what ever you can afford to pay for when the statement cuts, don't worry about the limit untill you get a call or a charge is declined then make a payment the CSR will open the account again. Wash, rinse, repeat. After a few months AMEX will understand your spending and your ability to repay, you shouldn't get any more calls unless you exceed the norm by 200% or so.
Don't exceed your monthly income, make your payments before they are due and everyone will be fine and happy.
@jamesdwi wrote:Your over thinking things, just use the card for what ever you can afford to pay for when the statement cuts, don't worry about the limit untill you get a call or a charge is declined then make a payment the CSR will open the account again. Wash, rinse, repeat. After a few months AMEX will understand your spending and your ability to repay, you shouldn't get any more calls unless you exceed the norm by 200% or so.
Don't exceed your monthly income, make your payments before they are due and everyone will be fine and happy.
Words to live by with AMEX!