Zync with $500 pre-set spending limit

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
3 posts
Posts: 1
Joined: Fri Sep 21, 2012 5:33 pm
Location: Ohio

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.


Centurion Member
Centurion Member
Posts: 221
Joined: Sat Oct 23, 2010 1:51 pm
Location: CA, USA

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.
In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

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

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.
-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

Return to “American Express”

Who is online

Users browsing this forum: No registered users and 3 guests