Reply
Valued Contributor
armbenderc
Posts: 1,337
Registered: ‎09-11-2012

Oh noes, not another Amex question.

I got Amex Green in Oct '12. I realized that should consolidate my spending and I should have gotten the PRG instead.

 

My question is: Should I wait for the upgrade when 13 months rolling around and would I get the sign-up bonus?

 

or

 

Apply now and get backdated making the PRG older than my Green :smileysurprised:, my BCE is older than the Green LOL.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Oh noes, not another Amex question.

You will not get any sign up bonus or waived af for a PC.

It would be better to app for it IMO.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
armbenderc
Posts: 1,337
Registered: ‎09-11-2012

Re: Oh noes, not another Amex question.


LS2982 wrote:
You will not get any sign up bonus or waived af for a PC.

It would be better to app for it IMO.

Will wait for the 3x CLI on BCE before apping I guess.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Frequent Contributor
Lambo23
Posts: 252
Registered: ‎04-16-2012

Re: Oh noes, not another Amex question.

You would have to close your current card and wait 90 days to app for the prg....
Contributor
westcoastpirate
Posts: 78
Registered: ‎11-14-2012

Re: Oh noes, not another Amex question.

I app'd for the Green, instant approval. A month later I app'd and was approved for PRG with the 1st year annual fee waived and sign up bonus. I'm planning to cancel both once the annual fee comes due in a year.
Valued Contributor
armbenderc
Posts: 1,337
Registered: ‎09-11-2012

Re: Oh noes, not another Amex question.


Lambo23 wrote:
You would have to close your current card and wait 90 days to app for the prg....

Why wait 90 days?

 

Can I just app for prg and close green?

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Frequent Contributor
Lambo23
Posts: 252
Registered: ‎04-16-2012

Re: Oh noes, not another Amex question.

No under terms and conditions it now says if you have had the Zync, green, gold or plat within the last 90 days then u cannot app for another charge card.
Valued Contributor
armbenderc
Posts: 1,337
Registered: ‎09-11-2012

Re: Oh noes, not another Amex question.


Lambo23 wrote:
No under terms and conditions it now says if you have had the Zync, green, gold or plat within the last 90 days then u cannot app for another charge card.

Oh okay, but I have the Green since Oct '12. 

 

Anyway, I think I will wait to see what I get from 3x CLI with BCE.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Frequent Contributor
Lambo23
Posts: 252
Registered: ‎04-16-2012

Re: Oh noes, not another Amex question.

I think I may be wrong. Just checked and I think it means if you have had another charge card within the last 90 says then u aren't eligible to get the signup bonus.

"† If you are identified as a current American Express® Cardmember, you may not be eligible for this welcome bonus offer. This offer is also not available to applicants who have had this product within the last 12 months or any other Consumer ZYNC®, Green or Gold Card or Platinum Card® account within the last 90 days. "

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+