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BCE to BCP

Valued Contributor

BCE to BCP

I know this question have been ask mutiple time but havent got a clear answer.

I recently PC my Delta to BCE last month ( Account Since Nov 2012)


How long can i PC my BCE to BCP. I think the BCP kinda make more sense with 6% cash back really got me.

Also i want to add my mother as authorize user on my account. She doesnt have perfect credit. IS it okay to doing with Amex ??? I have my 61 days mark in about 2 weeks. Dont know if its okay to do so.

 

Thanks guy

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 1 of 15
14 REPLIES
Frequent Contributor

Re: BCE to BCP

I have been told it's 1 Year before PC


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Message 2 of 15
Valued Contributor

Re: BCE to BCP

that's what i thought......Did you call them ???? I ask them to PC my Delta to BCP but for some reason they refer the BCE ;-( .

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 3 of 15
Frequent Contributor

Re: BCE to BCP

I know someone who did ......... You can call and ask for a PC and tell them they made a mistake and see what they say. Nothing to lose


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Message 4 of 15
Frequent Contributor

Re: BCE to BCP


nicholasyud wrote:

(...) Also i want to add my mother as authorize user on my account. She doesnt have perfect credit. IS it okay to doing with Amex ? (...)

 


The only requirement I am aware of is that AU should not have any delinquent accounts with any Amex in the past. If she has never had Amex before, then it should _not_ be an issue adding her as AU. If she burned Amex in the past - that might be a different story I won't be able to advise you with :-)

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colonSmiley Wink Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Message 5 of 15
Valued Contributor

Re: BCE to BCP

what's your limit right now on the bce? 

 

did you call up amex? or are you waiting for your 61 days cli? 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 6 of 15
Valued Contributor

Re: BCE to BCP

I calll them right now.......Wait one 2 minutes.....Let see what's up !!!! wish me luck Smiley Very Happy


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 7 of 15
Frequent Contributor

Re: BCE to BCP


nicholasyud wrote:

I calll them right now.......Wait one 2 minutes.....Let see what's up !!!! wish me luck Smiley Very Happy


wishing you good luck


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Message 8 of 15
Valued Contributor

Re: BCE to BCP


nicholasyud wrote:

that's what i thought......Did you call them ???? I ask them to PC my Delta to BCP but for some reason they refer the BCE ;-( .

 


The usual claim is that the CARD act prevents issuers from changing a card with no AF to one with an AF for 13 months after initial opening (so that issuers cannot introduce AFs without notice)

Message 9 of 15
Valued Contributor

Re: BCE to BCP

Okay so gues whatttttttt

She came back 2 mins and sorry they can't do that................

butttttt they credit me $50 for rewards dollars and recommend me using the card more ??? Limit only 1000 and i already charge 600 still tell me to used the card more ....lol.....

Anyway they say wait 13 months by this time next year and convert to BCP. I take 50 buck for now i guess.

 

Original Open in Nov 19: Delta Amex

DEc 15 Convert to BCE

When should i ask for credit increase guys ?????

She said wait until two months after the product change ??? Is that true ??? I heard one of my Fico master said just wait for original account open. Some1 confirm it please

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 10 of 15