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Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

I want BCP!

Okay Lexie, I know what you're thinking:
This crazy sob doesn't need any more cc's or cc debt for that matter(about to pay $4,000 on it! Lol)

BUT... The new 15 mos 0% on bts and purchases...
Plus the 6% on groceries
AND the $150 sign up bonus.
What I'd like to do is get the BCP for only grocery spend. I prob spend 200-500$ on groceries just for me.
Would it be possible to app for this card, and xfer my whole $24,500 limit from BCE?
I don't want BCE any more; BCP makes more sense. I know that to do a PC I have to wait 13 months, so I'd prefer not to do that given the current sign up bonuses with BCP.
I also am just at a sold 700 these days and not looking to lower my score further lol.

Im on the fence really, and I'd like advice ! Thanks :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 364
Registered: ‎04-28-2012
0

Re: I want BCP!

I'm on my phone so I can't check Amex's website to confirm my suspicions, but I'm pretty sure that if you have a Blue series card already, it means you're not eligible for the signup bonus. Not sure if its the same deal re: BT terms, too.
TU: 760 (4/13/16) | EQ: 758 (6/1/15) | EX: 768 (2/17/16)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $28,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Valued Contributor
Posts: 1,120
Registered: ‎03-16-2013
0

Re: I want BCP!


isoldmyatlas wrote:
I'm on my phone so I can't check Amex's website to confirm my suspicions, but I'm pretty sure that if you have a Blue series card already, it means you're not eligible for the signup bonus. Not sure if its the same deal re: BT terms, too.

That is definitely true but I don't know if young wants it for the sign up bonus just the 6%.  I think even though its capped at 6k for the average person or family it gives max value.  The sign bonus is not that great.

Valued Contributor
Posts: 1,292
Registered: ‎08-19-2012
0

Re: I want BCP!


ezdoesit wrote:

isoldmyatlas wrote:
I'm on my phone so I can't check Amex's website to confirm my suspicions, but I'm pretty sure that if you have a Blue series card already, it means you're not eligible for the signup bonus. Not sure if its the same deal re: BT terms, too.

That is definitely true but I don't know if young wants it for the sign up bonus just the 6%.  I think even though its capped at 6k for the average person or family it gives max value.  The sign bonus is not that great.


I think he wants it for the 0% period. 

 

Young, I think you would be better off just doing a PC to the BCP and then apping for another card with 0% and doing a BT

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: I want BCP!

[ Edited ]
Really? Here we go again! As others have stated, the sign up bonus if off the table. If you cant get the signup bonus, do you still want the card?
I don't know if you really want to use Amex as a 0% BT card.

You've got to decide if its right for you.

Seems like you are going in the wrong direction - adding cc's

Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: I want BCP!

Firstly,
I would NOT be doing a BT to Amex. I know very well not to do that.
I want it for the 6%. I want to PC it now, but can't bc Im a few months away from the year mark.
If I got BCP, I'd close BCE.
I spend a lot on groceries imo.

Obvi, no one thinks this is a good idea lol- note taken :-P
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 1,145
Registered: ‎04-13-2013
0

Re: I want BCP!

If you want the card and have a need for it, then get it - provided that you'll be approved. But even if you're not approved, since it's amex, it'll be a sp, right? You gotta do what's good for you.


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: I want BCP!

Based on your original post i ranked your wants in order you listed them. The idea of PC was suggested and I think that's a good idea.
From your post it didn't appear that you wanted to wait until your year is up.

It's a great idea if you wait and can PC it and move your CL.
Community Leader
Senior Contributor
Posts: 30,824
Registered: ‎02-07-2013
0

Re: I want BCP!


09Lexie wrote:
Based on your original post i ranked your wants in order you listed them. The idea of PC was suggested and I think that's a good idea.
From your post it didn't appear that you wanted to wait until your year is up.

It's a great idea if you wait and can PC it and move your CL.

+1 

Young don't do it you have been doing good

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Community Leader
Valued Contributor
Posts: 1,071
Registered: ‎05-28-2013
0

Re: I want BCP!

[ Edited ]

When in doubt, always garden first! Smiley Very Happy  That'd be my slogan from now on. lol Smiley Tongue

 

 

 

 

Edit: I also want a BCE but hey, garden comes first... Smiley Happy


Experian score (Amex) 734; Transunion score (Barclay) 732

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