07-09-2013 02:11 PM
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...
Oh yeah and myFico rocks.. and so do the members.. Keep Gardening and Growing
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.
Is it possible to have the Platinum card then convert it to Gold? The AF is pretty high and I'm thinking I might have to do since I don't travel very frequently
07-09-2013 07:34 PM
Hello... Yes you can PC From a Platinum Delta Card to a Gold because its a lower AF........Also i just PC'ed My Amex delta gold to a BCE since i have no use for the miles....believe it or not i was denied when applied for the BCE directly but i then applied for the delta gold and was appoved and PC'ed to BCE after only 2 weeks with the delta gold ...Amex is really wierd if ya ask me
07-09-2013 09:10 PM
I was able to PC my Delta Gold to BCE within 3 days of activating my Delta Card. I purposely applied for the Delta card since I kept getting declined for the BCE knowing I could PC to BCE. It took me 2 minutes to PC yesterday and now today my BCE shows in my Amex account... Just call and ask if you can convert to BCP, worse they can say is no, but I bet you they will PC for you.
10-02-2013 04:25 PM - edited 10-02-2013 04:26 PM
so my question is, after I get my miles, can they take them away, I dont think they would be able too. cause they would already be in my Delta Account, and I have a Suntrust Check Card that is also connected to my Delta Account.
I want to essentially get my delta miles 50k and then product change to a BCE.
ive seen people have done this, but just wondering about my miles, lol
*sorry for bringing it back from 3 months ago, didnt want to post a whole new thread.
10-07-2013 09:40 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.