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Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
@Anonymous wrote:
Out of curiosity, will the AF get prorated if I convert my BCP to a BCE? I have SM anyway and have been considering it; this just makes it more certain.
That's been the case in the past and probably still the case up until the date in the thread about no more prorating. (I think it says September.)
ETA: http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-to-Eliminate-Prorated-Annual-Fees/td-p/4626827
@Anonymous wrote:
Out of curiosity, will the AF get prorated if I convert my BCP to a BCE? I have SM anyway and have been considering it; this just makes it more certain.
Six of one and half a dozen of another. BCE is not much better than a straight 2% card, IMHO. But, I have another Amex (so still get offers), and the apr is rather low for the BCP. Plus, I have still not found a fee anywhere, so we might be grandfathered, as has been mentioned before.
@deltatee wrote:
Wow, that is really unfortunate. Just made the BCE seem a whole lot better.
+1 ...the extra $20 will get people to spend more to make the card worth keeping.
@satasat360 wrote:
@UncleB wrote:Excellent catch, even if less than excellent news!
Hopefully they'll leave the fee at $75 for a little longer for the existing cardholders. <fingers crossed>
In any case it's still worth it... I would prefer to keep the extra $20, though.
I'm still paying 175 for my PRG (current is 195), so i believe you will pay 75 for the BCP
Just received my 6/8/16 stmt with announcement my fee is going from $75 to $95 next renewal. Fee is non-redundable unless I cancel within 30 days of statement date of bill on which it appears.
No grandfathering .... at least for me. I got my BCP card 10/2014 but am a "member since" early 1980's.
I believe the new fee will apply to all cardholders when they renew. There doesn't appear to be grandfathering with this.