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  1. #1
    Green Member
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    Default Want to upgrade from Zync

    My file is thin with AAOA just over a year and a half.

    Trans FICO is 680 (1 baddie from 2006 Crap One)
    Experian def wud be over 700 (0 baddies)
    EQ is around 670 (1 baddie from 2006 Crap One)

    I have a zync for over a year now (measly 500 limit) and have made timely payments. Used it a lot.. I've heard that u can upgrade the card with a soft pull and no hard inquiry is reported. I don't see any any upgrade offer from Amex for me. How to proceed?

    1) Is it true that its only a soft pull if u upgrade?
    2) Is it true u can only upgrade from charge to charge and revolver to revolver and not from charge to revolver
    3) What card should i aim for based on my credit?
    4) Do i stand no chance for platinum at this score as I really travel a lot and can use the benefits?

    FYI: Annual Income 90K
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  2. #2
    Platinum Member Cyberius's Avatar
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    You cannot upgrade the Zync. I started with a Zync with NPSL, perfect payments - I wanted to upgrade, called Amex, and they would not allow an upgrade. You need to apply for a different card if you want to change.
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  3. #3
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    Quote Originally Posted by Cyberius View Post
    You cannot upgrade the Zync. I started with a Zync with NPSL, perfect payments - I wanted to upgrade, called Amex, and they would not allow an upgrade. You need to apply for a different card if you want to change.
    Thanks, Should i close this after opening another one?
    See if you can also answer my 3 and 4 the qn
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  4. Centurion Member
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    Default

    3) Don't go for a card because of what your score looks like, go for the ones pertinent to your spening habits. If you're worried about your score be patient and wait for it to rise.
    4) With your income and payment history with Amex, you shouldn't have a problem getting approved for a Platinum charge card IMO.
    oh and 2) is true, but Zync is in its own little world.
    Amex Platinum
    Amex BCP 15K
    Amex SPG 5K
    Barclaycard Arrival Plus WEMC 5K
    Chase Sapphire Preferred Visa Sig 23.5K
    Credit Union Visa Platinum 10K
    Discover IT 5.75K
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  5. #5
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    As long as you have that $500 Zync open you will not be able to get another card.
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  6. #6
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    Quote Originally Posted by denny33142 View Post
    As long as you have that $500 Zync open you will not be able to get another card.
    Stated another way - you can keep the Zync card, you just have to get the $500 limit removed by Amex first (and over time they will once you have a good history and the credit scores to go with it). You don't have to close the Zync card first the way you are stating things. So what you are saying is untrue (again)..Go back and read your prior postings on this. Someone else pointed this out to you already.
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  7. #7
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    Quote Originally Posted by SparkyinCA View Post
    Stated another way - you can keep the Zync card, you just have to get the $500 limit removed by Amex first (and over time they will once you have a good history and the credit scores to go with it). You don't have to close the Zync card first the way you are stating things. So what you are saying is untrue (again)..Go back and read your prior postings on this. Someone else pointed this out to you already.
    Do you have the Zync? Have you had the limit removed?

    Show me a thread of someone who has had the limit removed, many people has already confirmed that the limit cannot be removed, it is already a stated fact.
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  8. Gold Member
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    Quote Originally Posted by denny33142 View Post
    Do you have the Zync? Have you had the limit removed?

    Show me a thread of someone who has had the limit removed, many people has already confirmed that the limit cannot be removed, it is already a stated fact.
    Here ya go..here's the link - PRG approved with 676 credit score

    Oh, and yes I have one with a limit since last June, but once my scores are higher due to a paid tax lien that will drop this year, I'll get the limit removed.

    You're stating things as fact when they are not facts, that's all I'm sayin'...
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  9. #9
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    Perhaps he had a $500 Zync without the AutoPay option, When i called the Executive Office to inquire they told me that the reason i cannot get another card is because i am enrolled in AutoPay, And obviously you cannot remove the autopay option from this particular zync because it is mandatory, In short you would need to cancel the card.

    I don't know if i posted this already but here it goes:

    "Thank you for your recent application. We were unable to approve your request for the following reason:

    Because you have the ZYNCSM Card with a spending limit, we cannot open another American Express card account for you at this time.


    An important notice concerning your rights is included. The creditor is American Express Centurion Bank.

    We hope you are enjoying the benefits and services of your ZYNC Card.
    "

    The thread that you posted is a first for me, but if you search around you will find many more people in our position, and i tend to believe an official letter from amex themselves more then from a single person online.
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  10. #10
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    Quote Originally Posted by denny33142 View Post
    Perhaps he had a $500 Zync without the AutoPay option, When i called the Executive Office to inquire they told me that the reason i cannot get another card is because i am enrolled in AutoPay, And obviously you cannot remove the autopay option from this particular zync because it is mandatory, In short you would need to cancel the card.

    I don't know if i posted this already but here it goes:

    "Thank you for your recent application. We were unable to approve your request for the following reason:

    Because you have the ZYNCSM Card with a spending limit, we cannot open another American Express card account for you at this time.


    An important notice concerning your rights is included. The creditor is American Express Centurion Bank.

    We hope you are enjoying the benefits and services of your ZYNC Card.
    "

    The thread that you posted is a first for me, but if you search around you will find many more people in our position, and i tend to believe an official letter from amex themselves more then from a single person online.
    Clearly amex doesnt trust you with anything more than a 500$ limit on your Zync. I got mine last year and had a limit on it for a month before it was removed. Your autopay option has nothing to do with it and the very idea of the form in which you would be paying your card impacting your applications is ludicrous. I've had autopay since day one in case i ever forget to pay my bill manually. It is an option you sign up for btw, not mandatory. It is a charge card so they hope and highly suggest you pay it off in full by the end of the month or they put a hold on your account.

    Your facts are like my skittles, all mixed up in a bag waiting to be picked apart.
    Amex Zync - NPSL (Cleared up to 25k)
    Amex BCE - 12000 limit
    Amex BCP - 4200 limit
    FIA Rewards Amex- 3500 limit
    Chase Freedom - 2000 limit
    Chase Slate - 2000 Limit
    BoA Cash Rewards Privileges- 3000 limit
    Barclaycard Rewards MC - 3000 limit
    Discover IT- 3500 limit
    Marriott PR- 5000 limit
    21 years old with alot of life to spend
    Its not about the ending, its about the journey,
    just as long as the ending is just as good
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