Zync with $500 pre-set spending limit

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Zync with $500 pre-set spending limit

Postby Truckie51 » Fri Sep 21, 2012 5:43 pm

Hi...I'm new here so please be gentle if this is a repeat thread.

I have been battling to get my credit back into shape after years of neglect as a dumb college kid. I have paid off all old debts and had as much negative info removed as possible. My last fico was 670.

I have a Cap1 platinum with a $500 for two years now and always keep a zero balance. I applied for an AMEX Zync and was offered the $500 pre-set limit with autopay so I took it. Any new card especially being from AMEX can only help me.

After a lot of research I have not found any conclusive answers to the question, "Will AMEX raise or remove the $500 preset spending limit on the Zync card?" Any experience with this card and/or info would be greatly appreciated.


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Postby trumpet-205 » Fri Sep 21, 2012 6:03 pm

My understanding is that $500 limit cannot be removed. You have to improve your credit and apply another card in the future.
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Postby irvine801 » Sat Sep 22, 2012 8:16 am

I have the same zync as well. From what I hear they can and cannot remove the limit. I have charged 6k+ on my card and still have the hard limit. But my fico score hasnt improved since I got the card. I'm carrying some balance and some are almost near the limit just cuz I recently moved. But from what I understand if you maintain a good history and show usage and improve your fico, they should remove the limit within a year to 6months.
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