AMEX PC or upgrade

[Darius1976]

FYI Guys (and gals),

You must be a member of AMEX for at least 12 months before they would consider a PC or Upgrade.  Just found out today.  I tried to upgrade my Hilton Honors AMEX to the Bypass one...

[GaTech]

Not true. I PC from Blue to Blue Cash everyday after 1 month of using. 

[ibmrad7]

True to some extent. You cant PC from a 0 AF card to a card with AF before 13 statements.

[acb5456]

I product changed from the Blue Cash to the Blue Sky this morning. Have had the Blue Cash for no more than a week or so! (Decided I wouldn't spend enough on the card to get the 5% after $6500) so it's doable before 12 months!

[09Lexie]

You can PC earlier than 13 months for 'like' fee products. AF to AF ; no AF to no AF. You cannot go from a charge to a revolver or vice versa 

OP was attempting an upgrade from the no AF to the Surpass, not allowed with the CARD ACT

[Fico2Go]

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@09Lexie wrote:

You can PC earlier than 13 months for 'like' fee products. AF to AF ; no AF to no AF. You cannot go from a charge to a revolver or vice versa 

OP was attempting an upgrade from the no AF to the Surpass, not allowed with the CARD ACT

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That might not be true across the board anymore, Lexie.  I have the BCP ( annual fee ) and AMEX offered to PC me to BCE  or B ( no AFs ).   

[Darius1976]

Ok I see.

I was attempting to PC or upgrade from a No Annual Fee to an Annual Fee.  This is what caused the rep to tell me that I ahd to make a year...

[blk8]

I get "offers" all the time from AMEX... but them actually doing it, and the system allowing it, are two different things.

My Hilton Honors is only 3 months old... and i get the upgrade offer all the time. When I try, its a big fat DENIED!

[09Lexie]

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@Fico2Go wrote:

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@09Lexie wrote:

You can PC earlier than 13 months for 'like' fee products. AF to AF ; no AF to no AF. You cannot go from a charge to a revolver or vice versa 

OP was attempting an upgrade from the no AF to the Surpass, not allowed with the CARD ACT

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That might not be true across the board anymore, Lexie.  I have the BCP ( annual fee ) and AMEX offered to PC me to BCE  or B ( no AFs ).   

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They are usually consistent with following the CARD ACT. Did you accept the offer? It is not unusual for CSRs and their system to show upgrades but when you actually try it will decline the switch.  I received the HHonors last month and sure enough the Surpass is showing as an upgrade. I know for a fact I have yo wait until next year

[FastForward]

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@Fico2Go wrote:

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@09Lexie wrote:

You can PC earlier than 13 months for 'like' fee products. AF to AF ; no AF to no AF. You cannot go from a charge to a revolver or vice versa 

OP was attempting an upgrade from the no AF to the Surpass, not allowed with the CARD ACT

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That might not be true across the board anymore, Lexie.  I have the BCP ( annual fee ) and AMEX offered to PC me to BCE  or B ( no AFs ).   

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I believe what it is is that a CCC is not allowed to change a customer's account to one with higher fees during the first 12-13 months per the Card Act.  So, PC'ing from a no AF card to one with an AF is not do-able during that time whereas the opposite would be ok.  Hope this makes sense.