Reply
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

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

Frequent Contributor
Posts: 351
Registered: ‎11-11-2012
0

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 *****
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

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

Frequent Contributor
Posts: 351
Registered: ‎11-11-2012
0

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 *****
Frequent Contributor
Posts: 272
Registered: ‎12-28-2011
0

Re: BCE to BCP

[ Edited ]

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...
Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
0

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
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

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

Frequent Contributor
Posts: 351
Registered: ‎11-11-2012
0

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 *****
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

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)

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: BCE to BCP

[ Edited ]

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

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.