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Question About Zync Auto-Pay

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mAndrew1980
Established Contributor

Re: Question About Zync Auto-Pay

You are so right. Haha, I'll hold off!

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 11 of 22
720ismygoal
Regular Contributor

Re: Question About Zync Auto-Pay


@mAndrew1980 wrote:

You are so right. Haha, I'll hold off!


well? its spring time, did you apply?

Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
Discover: $1,000-FICO 695 4/25/12---------Bringing home Amex in 2013!
Cap1: $750 Gardening mode until April 2013
Cap1: $500



Message 12 of 22
bribro
Valued Contributor

Re: Question About Zync Auto-Pay

I've never heard of this Zyng Auto-Pay deal. Is this designed for people with good, but not excellent credit?

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Message 13 of 22
pizzadude
Credit Mentor

Re: Question About Zync Auto-Pay


@bribro wrote:

I've never heard of this Zyng Auto-Pay deal. Is this designed for people with good, but not excellent credit?


It's a counter~offer that some people receive when they are declined for the NPSL Zync card.   A Zync with either $200 Hard Limit ( no autopay ) or $500 ( w autopay ), your choice.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 14 of 22
webhopper
Moderator Emeritus

Re: Question About Zync Auto-Pay

If you haven't apped for Zync yet, I would go for it

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 15 of 22
Denny33142
Regular Contributor

Re: Question About Zync Auto-Pay

I have had the Zync with autopay for 8 months now but the $500 limit has not been lifted yet.

 

Though i have noticed that amex has been softing my experian quite a lot in the past 3 months.

Message 16 of 22
webhopper
Moderator Emeritus

Re: Question About Zync Auto-Pay


@Denny33142 wrote:

I have had the Zync with autopay for 8 months now but the $500 limit has not been lifted yet.

 

Though i have noticed that amex has been softing my experian quite a lot in the past 3 months.


hehe, its like they are trying to see if you're ready to join the NPSL crowd

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 17 of 22
espnjunkie
Established Contributor

Re: Question About Zync Auto-Pay

Word of caution...while it is possible for them to lift the 500.00 autopay or 200.00 hard cap w/o autopay Amex is under no obligation to lift it ever unless they see fit. There is no "it will be lifted in 6 months, a year, 2 years, etc" guaranty. While it can be great to get 'in' with Amex, it is better to apply from a position of strength than to eek in with marginal qualifications. Aka wait 6 months and then apply once scores are higher and chances for npsl approval go up

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Message 18 of 22
Revelate
Moderator Emeritus

Re: Question About Zync Auto-Pay


@webhopper wrote:

If you haven't apped for Zync yet, I would go for it


*grumble* mon amie, you're not making this any easier for some of us! Smiley Wink

 




        
Message 19 of 22
Anonymous
Not applicable

Re: Question About Zync Auto-Pay


@pizzadude wrote:

@bribro wrote:

I've never heard of this Zyng Auto-Pay deal. Is this designed for people with good, but not excellent credit?


It's a counter~offer that some people receive when they are declined for the NPSL Zync card.   A Zync with either $200 Hard Limit ( no autopay ) or $500 ( w autopay ), your choice.


Hi Pizzadude,

 

My sister was just approved for an American Express Zync card and selected the $200 hard limit as she wanted more control of when she could pay instead of having the statement balance be automatically debited from her checking account. I understand from reading past threads that you also have an AMEX Zync card with a $200 hard limit without autopay. Have you received a credit limit increase or have you been upgraded to NPSL status with your AMEX Zync card if I may ask? Thanks so much for your reply!

 

Also, if anyone else on the forums has an American Express Znyc card with a $200 hard limit without auto pay, please feel free to chime in.

Message 20 of 22
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