In with American Express

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
13 posts
irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

In with American Express

Postby irvine801 » Thu Feb 23, 2012 11:32 pm

finally got my card. looks legit, some advice? w/ 500 limit ill be paying it off about 2-3 times a month charging maybe 650-800 ish a month. Zync charge card.

thanks!
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit


ooxs
Centurion Member
Centurion Member
 
Posts: 304
Joined: Sat Aug 13, 2011 9:38 am
Location: Michigan

Postby ooxs » Fri Feb 24, 2012 8:17 pm

Pay it off as many times as you want, just remember to maintain a tiny balance at the statement closing date, this will report activity on your account. For credit building purposes, what you don't want is a zero balance on closing statements, this represent in-activity. Your 500 limit will be lifted in no time and you will be good to go.

LOL @ it looks legit, what were you expecting?

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Sat Feb 25, 2012 9:45 am

Thanks oox. Always love your advice. The card itself looks so nice.. its a prestigious piece of plastic. Plus I love the look people give when I hand them the card :D
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Sat Feb 25, 2012 9:59 am

Hey ooxs. Do u think they will report that as a 500 limit to the credit bureaus?
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

CC Deville
Centurion Member
Centurion Member
 
Posts: 1075
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Sat Feb 25, 2012 4:54 pm

irvine801 wrote:Hey ooxs. Do u think they will report that as a 500 limit to the credit bureaus?


It will not report the limit. The product type is still an Open or no preset spending limit card. Yes, they did place a "hard" limit on the card but it is not a revolving credit card.

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Sat Feb 25, 2012 5:09 pm

Nice. Thanks deville. Seems like you and ooxs are my go to guys about my account lol. Remember I still owe you guys drinks lol.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

ooxs
Centurion Member
Centurion Member
 
Posts: 304
Joined: Sat Aug 13, 2011 9:38 am
Location: Michigan

Postby ooxs » Sun Feb 26, 2012 9:01 am

Nothing like White Lighting on a cold day, no american express card needed and not for re-sale.

Regnohspf
Platinum Member
Platinum Member
 
Posts: 64
Joined: Tue Feb 21, 2012 10:57 pm
Location: Orlando

Postby Regnohspf » Mon Feb 27, 2012 10:46 am

Congrats on the Zync! I actually had been denied by my own bank wells fargo and by chase for a sapphire but right after i received a pre-selected mailer for the zync card with no annual fee so i said screw them im going amex haha, was instantly approved with just a year of credit history and only a $1300 wells fargo card :)

did you get any packs with your zync or just the card alone?

hey ooxs and deville really appreciate all your insight. ive been reading through this forum for a while and my knowledge about credit and credit cards have grown so much just from your inputs all throughout the forum :)
Wells Fargo Student Credit Card Visa - $1300 (February 2011)
American Express Zync Charge Card (February 2012)
Chase Freedom Visa- $2000 5% rotating (April 2012)
Citi Forward Visa- $3000 - 5x at restaurants, amazon.com (April 2012)
Chase Sapphire Preferred Mastercard World Elite - $5000 (July 2012)

Credit cards left to attain
-Amex BCE/BCP

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Tue Feb 28, 2012 3:08 pm

Thanks Bro! Got the restaurant pack and the finace. Maybe getting the Vegas pack as well.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

User avatar
bisbicos
Centurion Member
Centurion Member
 
Posts: 284
Joined: Sun Jul 17, 2011 12:38 am
Location: Newton, MA

Postby bisbicos » Tue Feb 28, 2012 3:14 pm

I was approved last night for a Zync. Feels good to finally getting established with Amex
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink



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