I have the zync card with the $200 limit which is great because now I got my foot in the door with amex BUT I want to use this for everyday use and rack up the points!
- Will amex get mad if I put a good $1500 a month through the card? I would just push the money from my bank account to my amex account so in a sense I'm prepaying it all but I wonder if they will be upset because of heavy use on a $200 limit card?
- It is $15/yr per AU card and I am thinking about getting my family member one to get more points adding up. They would be using it for groceries about 1000$ a month. I would do the same thing and push the money from my bank over to the card before purchases. Will this still give me the points even if its an AU using the card? OR should I just let them use my card when they go and buy groceries, ect.? I have the eco pack and it would be 2x points for groceries! 
Is this okay to do to earn more points?
I have to second what Bichonmom posted. If you like being with AMEX enough to do that, don't do something to risk them closing your account. After 6 months or so of normal use, they may remove the limit. Rome wasn't built in a day, nor is history with AMEX. Drawing attention to your account is about the last thing you want to do with AMEX really. The ZYNC's rewards really aren't worth it. You mentioned it yourself with this: "I got my foot in the door with AMEX"....
The card you might be interested in getting as a goal down the road would be the BCP, considering the info and usage you mentioned, though it's not an easy card to get compared to the ZYNC with a hard limit. In time however, it's much more possible after AMEX feels comfortable with you.
@Lambo23 wrote:Basically I would be getting points for things my family member is buying. So I am thinking free points for a good year and possibly PC or upgrade(if they dont PC) to the green since I dont travel and it would exchange MRE points for regular MR points. BUT I would mostly be using them for a vacation once a year. So I don't think MRE vs MR points matters when it comes to booking through amex travel site. Is this correct?
As far as the $200 limit - this is what I was offered(or the 500$ auto pay) because my credit reports/scores are low. mid 600's with a few lates from a couple years ago and one collection. Not because they don't think I can afford to pay them.
People have gone that route and a few have seen them remove the hard limit. I have not read of anyone saying AMEX took AA because someone pushed money onto the card a couple times a month, I wouldn't go over 3 push payments a month though just to be safe. With a few lates, a collection (even old) and mid 600 scores, what do think AMEX's computer is thinking other than limiting their risk? You might be one of the few people who would benefit from an FR in that AMEX would then see you're in a better position than their system indicates. Not saying they'll FR you, just that it sounds as though their systems built in risk avoidance is limiting you more than the facts behind your actual circumstances.
I don't understand why anyone thinks there's a risk associated with this plan.
1) Zync rewards don't suck, as a matter of fact dependant on what you want, they're better than Green, Gold, Gold PR, or Plat. It is in my case, and probably is for anyone who doesn't travel as well.
2) Amex likes higher monthly spends: this is absolutely known as fact as they get paid with every transaction you make with the card. The more you use it, the happier Amex will be with you.
3) It's a $200 limit, it's virtually zero exposure for Amex and they know it. So what if you pay 30 times in a month if that's what it takes?
End of the day, you'll be fine. I don't think you really need to go the AU route, really you're not doing your buddy or whoever it is any favors by doing that from their credit perspective, and I think it's disengenous to hinder their ability to build / keep their credit, to goose your reward points even if you're buying them gift certificates or whatever with your points.
If you do decide to use it the way you described and they call or contact you. Just tell them, like you've basically explained here, that you look at it a bit like a low fee pre-paid card with rewards you're interested in, that also reports to the CB's. That should satisfy any CSR.
Amex will love you. Out of curiosity, you have hard limit of 200 or is that what the online tool says? Haven't heard of hard limit that low. I went from Npsl of 3.5k to at least 70k in 2-3 months doing what you are proposing.
LIMITS IN CARD DESCRIPTIONS
Anyone want to explain the differences between MR points and MRE points? (zync versus other charge cards)
Basically it is a close family member who cannot and will not get their own card or bank account because of this persons past history.... if that explains the situation without details. They use pre paid cards as it is or just pay cash so why not let this person use my amex to maximize my rewards and give amex more money? I don't see anything wrong with that.
Maybe I will be the first to get my PSL zync to a NPSL zync. 