Thread: 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

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.

Originally Posted by Cyberius

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

As long as you have that $500 Zync open you will not be able to get another card.

Originally Posted by denny33142

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.

Originally Posted by SparkyinCA

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.

Originally Posted by denny33142

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'...

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.