Still love my Zync which "had" a $200 hard limit since 2011... I was a newbie back then and applied the same day I purchased a car, ugghh!!! Only used it to auto-pay Nextflix over the years. These cards are NO LONGER periodically reviewed per AMEX since discontinued in 2013 to new applicants. Four months ago - July 2016, I'd proven and convinced their Responsible Lending department that a $200 hard limit do not allow 2 back-to-back transactions as merchants apply temporary authorizations up to $100 -- easy math, can't perform 2 transactions if temp auths are taking up the funds (almost left me stranded - not really, but only for testing purposes). Ultimately, AMEX set the new limit to $1,000 and provided a one-time courtesy on my Annual Fee for my troubles (I didn't ask for credit as it's only 25 bucks, but kindly accepted). The door is open for all of us Hard-Limit customers to have more spending power without any inconvenience. Zync keeps up with the times with EMV chip.
Additional Notes about the hard-limit ZYNC cards:
1. If you overpay your account, wait 7-days, then you can use those funds for large purchases. Paid $2200 and checked the Spending Link 7-days later to see my amounts were approved, paid for my cruise ticket $1450. Kids school clothes, etc. over the course of that month, then No Bill Due -- overpaid, of course.
2. If you need emergency funds immediately, ask "Account Services" to add a temporary $xxx.xx to your account which is good for a single swipe within 12-18 hours -- just don't abuse this too many times within one year. You do not need to give an over-the-top emergency, mine was "need to return a rental car and gas station also need to place a $100 authorization no matter inside or pay at the pump in Michigan (ergo, the proven two transactions test).
