Amex Zync to PR Gold

[Meltdownblitz]

Ok I'm sure there is quite a few threads on this, but I tried searching and cannot find the answers to these questions. I spoke to Amex today about upgrading my Zync to PR Gold. I was told I would have to wait till my 13th statement. So my questions to them were.. 1. Will it be a hard pull? 2. Will I get the annual fee waived for first year? 3. Will i get the sign up bonus points? What did they say... They don't know. They believe that I wouldn't get 2 & 3 and that it would be a soft pull, but they are not positive. So do any of you know the answer to this? What if I just applied for it then canceled my Zync? Then what would be the outcome to these questions? Obviously my goal is to get the first year waived on the annual fee as well as the sign up bonus at the very least, if it will take a HP I might be willing to take one. Any of you had any experience with this? Thanks!

[Anonymous]

I believe after 13 months it is just soft pull if at all. Zync is their only segmented charge card. If you want to do before, you can just apply. Make sure you are logged in. You get sp if rejected and hp if approved.

[Meltdownblitz]

Yes, but my main questions are would I get the sign up bonus and annual fee waived for the first year since I am already an Amex customer essentially? Would anyone happen to know this?

[Anonymous]

If you see the offer when you are applying, then you get it. My buddy wasn't seeing the $150 offer for blue cash preferred when logged in. When he opened private browser session (ie no cookies), he saw it. Got the bonus. Don't know if he had gotten rejected whether or not he would have taken hp since he wasn't logged him as himself.

[Anonymous]

You definitely do not get signup bonuses or a waived annual fee if you just "upgrade" an existing account.  Though sometimes they offer bonuses for upgrades.  It also doesn't require a hard pull to change account type.  If you apply for a seperate account, you may get signup bonuses and a waived annual fee, but it will definitely be a hard pull if approved.  I think you just have to see the website is showing you any signup bonuses if you click on the card.

[Meltdownblitz]

Yeah I thought so. Is there any other disadvantages besides the HP if I were to apply then cancel the Zync?

[Anonymous]

If you go for a new account, it will give you another backdated Amex account on your report, which could lower or raise your AAoA based on how long ago you got your first Amex and your existing AAoA.  So another account could ding you, or it could actually help you.

[AF_23]

Considered this, but i know i would never keep it beyond 1 year because of the AF

[Meltdownblitz]

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@AF_23 wrote:

Considered this, but i know i would never keep it beyond 1 year because of the AF

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I think I'm leaning toward this.. Because I kinda wanted to just try it out but not sure if I want to take the hard just fr 1 year. When I travel, I could use my BCP or CSP, they have just about the same benefits to my knowledge.

[Anonymous]

Sorry to be a little off topic, but I have always heard the Zync was non-upgradeable? Did Amex change this recently?