So I apped for zync card and was approved and received it today. They wouldn't let me activate it online so I had to speak to CSR. She activated it and I asked her that on my cardmember agreement it says my annual membership fee is $0 for first year then $25. She told me this was incorrect and my membership fee is $25.00 always. Now when AMEX does charge me a fee can't I just reference this card member agreement that says it is $0 and they have to honor it? Also it says I have no preset spending limit. How in the world does someone figure out what they can buy without feeling stupid at store if card is declined? I don't plan on running up the card but I never had a true charge card so it baffles me. Is there somewhere on the website that they can give you an estimate or do you have to call in everytime you make a purchase to make sure it won't be declined?
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@toytoy wrote:So I apped for zync card and was approved and received it today. They wouldn't let me activate it online so I had to speak to CSR. She activated it and I asked her that on my cardmember agreement it says my annual membership fee is $0 for first year then $25. She told me this was incorrect and my membership fee is $25.00 always. Now when AMEX does charge me a fee can't I just reference this card member agreement that says it is $0 and they have to honor it? Also it says I have no preset spending limit. How in the world does someone figure out what they can buy without feeling stupid at store if card is declined? I don't plan on running up the card but I never had a true charge card so it baffles me. Is there somewhere on the website that they can give you an estimate or do you have to call in everytime you make a purchase to make sure it won't be declined?
Personally I would nort push my luck with the AF. Maybe they were running a promo for $0 for the first year. But with AMEX you want to stay under the radar as muc has possible.
As to your spending, there is an option online when you log on to check your spending ability.
You can use it once but under no circumstance should you use it often. When I first got my card, few days later I used this to check if I spent $2000. It was approved. So I know that at least I can use $2000. I did charge $1800 on it and then PIF the same week.
I don't necessarily want to fly above radar but I just asked on another forum and someone said they received the same thing I did. Here is pic of it. I won't make a big deal out of it but they may want to fix that.
I agree, your packet states $0 for the first year so they should honor it 
I should have looked at my Zync packet, I didnt even look at this. Now you got me thinking.
@toytoy wrote:I don't necessarily want to fly above radar but I just asked on another forum and someone said they received the same thing I did. Here is pic of it. I won't make a big deal out of it but they may want to fix that.
LOl yup if I were you I would pull it out and take a looksee. I have placed mine in the drawer for safe keeping.
Ok thanks Shea. I don't know if they are printing it out wrong, have a secret promotion, or just making errors. I figured I was going to use my 10000 points after the first purchase to get gift cards which was a total perk (the rep told me to go buy a can of soda and I was good to go to get the points) but I had just assumed I would be paying 25.00 for AF.
You should definitely send them a copy of that if you get charged a fee. I can't imagine they will argue with you any further.
As for the spending limit, who knows how they calculate it exactly. I'd guess that the initial limit is a function of income and credit score. It gets adjusted upward as you continue to use the card and pay your bills on time. Carry a backup card and you don't have to worry about it. If you do have a large purchase and you don't want to get declined at the register, you can call them and they will run a test charge and tell you if it is ok. You can also check your spending ability online. Just don't go crazy checking it just to see what it will approve. I don't think you need to worry at all about checking it for real purchases. But some people have reported geting FR'd for repeatedly clicking on the check spending ability link.
For a minute I thought I was getting less observant in my old age (well, not that old lol). So I too had to take a look knowing I most likely wouldn't have missed that. Mine looks the same other than in the "Annual Membership Fee" line it simply states "$25".
I'm actually glad, would have been unusual for me to have missed what you saw in your fee details.
The funny thing is, if it doesn't show in your account details on their side, they might not take a copy of that page as being proof. That would be easy to scan and edit and even print out to look like the original, so if they made a printing error without knowing it, they could think someone is trying to get out of the fee (not you, just how they could see it) until they found out they had the error.
Actually, anyone could print that page out with "We will pay you $10,000 for every day you can go without using your card, after that, there will be the standard fee blahblahblah" printed in the fee area And they wouldn't honor it (of course, just a funny example of how just because it's on paper, doesn't mean it's in their system).
I somewhat think you might kind of be the victim of a "robo-printer" error.
