Reply
Established Member
maninder89
Posts: 36
Registered: ‎03-03-2013

AMEX PC from Delta Skymiles to BCE

I called AMEX yesterday to change my Gold Delta Skymiles to BCE as I realise I will not be doing much of air travel in coming 1-2 years and I didnt want to accumulate miles. As per the CS you can PC from a revolver to a non AF revolver any time but to PC to a AF revolver you need to wait 13 months. Its is due to the limitations the CARD act or some other law regarding how much AF they can charge in a year. CSR also told that you can not change from charge to revolver or vice versa. I thought I just let everyone know that PC with AMEX can be done before 13 months.

I am done with earning miles.. lets get some cashback now.. 

And I also got the smallest CLI on AMEX.. 2000 to 2200.. lol... My income on papers can not justify a bigger CLI right now. Waiting for Full Time to start. Next time maybe 6600... :smileytongue: 

Oh yeah and myFico rocks.. and so do the members.. Keep Gardening and Growing :smileytongue: 

 

EX FICO - 770 (Lender pull - AMEX) Feb '13
 photo Wells-Fargo-Cash-Back-Credi_zpsb9d8097b.jpg
Frequent Contributor
Chris123nTx
Posts: 479
Registered: ‎05-11-2007

Re: AMEX PC from Delta Skymiles to BCE


maninder89 wrote:

I called AMEX yesterday to change my Gold Delta Skymiles to BCE as I realise I will not be doing much of air travel in coming 1-2 years and I didnt want to accumulate miles. As per the CS you can PC from a revolver to a non AF revolver any time but to PC to a AF revolver you need to wait 13 months. Its is due to the limitations the CARD act or some other law regarding how much AF they can charge in a year. CSR also told that you can not change from charge to revolver or vice versa. I thought I just let everyone know that PC with AMEX can be done before 13 months.

I am done with earning miles.. lets get some cashback now.. 

And I also got the smallest CLI on AMEX.. 2000 to 2200.. lol... My income on papers can not justify a bigger CLI right now. Waiting for Full Time to start. Next time maybe 6600... :smileytongue: 

Oh yeah and myFico rocks.. and so do the members.. Keep Gardening and Growing :smileytongue: 

 


 

I did the same with my delta. I dont remeber now if I had the gold or platnum, but dont travel anymore. I changed to the bcp , they kept my interest rate the same, which was a bit lower than the normal rate for the bcp at that time, and they bumped my cl from 10k to 20k. It was a good phone call. My bcp gets used all the time. It is my go to card, and racks up money rewards pretty easily. The yearly fee is easily paid for with reward dollars, and the rest is free money.
Frequent Contributor
unc0mm0n1
Posts: 389
Registered: ‎03-05-2013

Re: AMEX PC from Delta Skymiles to BCE


maninder89 wrote:

I called AMEX yesterday to change my Gold Delta Skymiles to BCE as I realise I will not be doing much of air travel in coming 1-2 years and I didnt want to accumulate miles. As per the CS you can PC from a revolver to a non AF revolver any time but to PC to a AF revolver you need to wait 13 months. Its is due to the limitations the CARD act or some other law regarding how much AF they can charge in a year. CSR also told that you can not change from charge to revolver or vice versa. I thought I just let everyone know that PC with AMEX can be done before 13 months.

I am done with earning miles.. lets get some cashback now.. 

And I also got the smallest CLI on AMEX.. 2000 to 2200.. lol... My income on papers can not justify a bigger CLI right now. Waiting for Full Time to start. Next time maybe 6600... :smileytongue: 

Oh yeah and myFico rocks.. and so do the members.. Keep Gardening and Growing :smileytongue: 

 


Is that because you were going from an AF to a non-annual fee? What if you wanted to PC the Delta to a BCP? That's what I'm thinking about doing. I've only have the Delta for three months but I realized I'm not going to spend any money with Delta because my United program with Chase is so much better. Can I PC to the BCP before the 13 months.

Last App December 7, 2013. Gardening until May 20, 2014
Current Score: 720 EX 714 EQ 712 TU 12/10/2013Goal Score: 720 across the board
Regular Contributor
fittiger
Posts: 217
Registered: ‎02-20-2013

Re: AMEX PC from Delta Skymiles to BCE

I'd like to know that too?
Chase Sapphire Preferred $17,800; Discover IT $15,000; PenFed Plat Rewards Signature $14,000; AMEX BCE $11,800; AMEX SPG $8,100; Citi Simplicity $10,000; Chase United MileagePlus Explorer $5,000; Chase Ink Classic $3,000; GE Lumber Liquidators $7000; GE Care Credit $2000
Moderator
09Lexie
Posts: 24,437
Registered: ‎09-13-2012

Re: AMEX PC from Delta Skymiles to BCE

Established Contributor
zyzzus
Posts: 523
Registered: ‎10-22-2012

Re: AMEX PC from Delta Skymiles to BCE

That is good information.  Maybe next time I try to get in with them I'll app Delta and PC to BCE. 

 

Thanks OP

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay$10,000 

Frequent Contributor
LawStudentCivilis
Posts: 311
Registered: ‎06-14-2013

Re: AMEX PC from Delta Skymiles to BCE

Thank you for this information! This is exactly what I plan to do! Quick question, will I be able to keep all of the sky miles I accumulate? Including the bonus miles if they're still unused at the time of PC.

 

Basically are the miles (especially bonus miles) affected by the status of the card?

Frequent Contributor
unc0mm0n1
Posts: 389
Registered: ‎03-05-2013

Re: AMEX PC from Delta Skymiles to BCE


unc0mm0n1 wrote:

maninder89 wrote:

I called AMEX yesterday to change my Gold Delta Skymiles to BCE as I realise I will not be doing much of air travel in coming 1-2 years and I didnt want to accumulate miles. As per the CS you can PC from a revolver to a non AF revolver any time but to PC to a AF revolver you need to wait 13 months. Its is due to the limitations the CARD act or some other law regarding how much AF they can charge in a year. CSR also told that you can not change from charge to revolver or vice versa. I thought I just let everyone know that PC with AMEX can be done before 13 months.

I am done with earning miles.. lets get some cashback now.. 

And I also got the smallest CLI on AMEX.. 2000 to 2200.. lol... My income on papers can not justify a bigger CLI right now. Waiting for Full Time to start. Next time maybe 6600... :smileytongue: 

Oh yeah and myFico rocks.. and so do the members.. Keep Gardening and Growing :smileytongue: 

 


Is that because you were going from an AF to a non-annual fee? What if you wanted to PC the Delta to a BCP? That's what I'm thinking about doing. I've only have the Delta for three months but I realized I'm not going to spend any money with Delta because my United program with Chase is so much better. Can I PC to the BCP before the 13 months.


Can anybody answer the quoted question?

Last App December 7, 2013. Gardening until May 20, 2014
Current Score: 720 EX 714 EQ 712 TU 12/10/2013Goal Score: 720 across the board
Frequent Contributor
GaTech
Posts: 374
Registered: ‎02-10-2013

Re: AMEX PC from Delta Skymiles to BCE

You can PC from charge card to charge card, though I'm not sure about the annual fee revolvers....
As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Regular Contributor
fittiger
Posts: 217
Registered: ‎02-20-2013

Re: AMEX PC from Delta Skymiles to BCE

How long had you had the Delta before you PC'd to the BCE?

Chase Sapphire Preferred $17,800; Discover IT $15,000; PenFed Plat Rewards Signature $14,000; AMEX BCE $11,800; AMEX SPG $8,100; Citi Simplicity $10,000; Chase United MileagePlus Explorer $5,000; Chase Ink Classic $3,000; GE Lumber Liquidators $7000; GE Care Credit $2000

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+