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Confused over Amex Upgrades

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chan85
Established Contributor

Re: Confused over Amex Upgrades

Oh... Back on topic....

 

i finally was able to apply for BCE...DENIED..... Website not working so can't see reasons why..... Then I can decide if its worth a recon.....

Current Debt Management:
$15k Trinity Financial Management (scheduled pay off late 2021)
$10k NFCU
$350/mth Bridgecrest Auto Loan
Goals: Pay off credit card debt & buy a new home before end of 2020

Long Term Debt:
Fed Loans - $150k
Navient - $100k

Taking a "if God don't do it, it won't get done..." approach to paying these off.
Message 21 of 25
creditnocash
Valued Contributor

Re: Confused over Amex Upgrades


@p- wrote:

This might just be a rumor, but I heard that Amex is adding a new card called the Amex Aluminum.  

 

It will be made of cardboard, and cross-marketed to Bluebird and Kardashian card holders, as well as Zync members with preset limits.  The plan is to take a slice of the old Orchard Bank subprime business.  It will have a 300 dollar limit with a 79 dollar annual fee, a 20 dollar per transaction limit, and a 10 dollar transaction fee.  It will also have a 35 dollar monthly maintenance fee, a 200 dollar application fee, and 500 dollar overlimit fee.  It will have a prime plus 26 percent apr, with a penalty apr of 99.99.

 

But, it will give you a member since date.

 

 


i was all excited until it said kardashian. 

 

the only reason i got the psl zync was because i had 9inquries that day. i didnt think they would approve me at all lol. 

next august when all my inquries age over a year, im sure ill qualify for any amex i want. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 22 of 25
p-
Valued Contributor

Re: Confused over Amex Upgrades


@creditnocash wrote:i was all excited until it said kardashian. 

Phrase of the week.

Message 23 of 25

Re: Confused over Amex Upgrades

I've had a Zync card since 2010, just called to see what I could do regarding upgrading.

 

A VERY nice CSR looked at my account and immediately offered the Gold Premier Rewards card based on my spending (~50k a year), and also offered the Platinum, but she said since it looks like I don't cover my airfare when travelling, only hotel, car, etc that it wouldn't be that great of a deal for me, and strongly suggested the Gold.

 

I agreed, she said the new card with the same number would be here next week and that I can continue using my Zync until I activate the new one. She also confirmed all of my points were convered into regular rewards points at full value (64k express points into 64k real points) and applied the Zync fees I paid back in January to the Gold $175 fee.

 

I freaking love Amex Smiley Happy

Message 24 of 25
armbenderc
Valued Contributor

Re: Confused over Amex Upgrades


@thepriceisright wrote:

I've had a Zync card since 2010, just called to see what I could do regarding upgrading.

 

A VERY nice CSR looked at my account and immediately offered the Gold Premier Rewards card based on my spending (~50k a year), and also offered the Platinum, but she said since it looks like I don't cover my airfare when travelling, only hotel, car, etc that it wouldn't be that great of a deal for me, and strongly suggested the Gold.

 

I agreed, she said the new card with the same number would be here next week and that I can continue using my Zync until I activate the new one. She also confirmed all of my points were convered into regular rewards points at full value (64k express points into 64k real points) and applied the Zync fees I paid back in January to the Gold $175 fee.

 

I freaking love Amex Smiley Happy


Smiley Surprised

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 25 of 25
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