topic Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday? in Credit Cards

Possible to product change Amex Premier Rewards Gold to Amex Everyday?

119574 — Tue, 14 Jul 2015 19:41:26 GMT

My apologies if this is duplicated somewhere -- I tried to search and did not find an answer directly on point.

I have had my PRG card for about 3 years. I find that I am not really using the points enough to justify the annual membership fee.

Has anyone had success transferring a PRG to the Everyday card?

Secondly, we know that Amex no longer backdates but does a product change result in a new account date? Or does it inherit the account date of the original card?

Thanks!

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

Anonymous — Tue, 14 Jul 2015 19:42:45 GMT

@119574 wrote:
My apologies if this is duplicated somewhere -- I tried to search and did not find an answer directly on point.

I have had my PRG card for about 3 years. I find that I am not really using the points enough to justify the annual membership fee.

Has anyone had success transferring a PRG to the Everyday card?

Secondly, we know that Amex no longer backdates but does a product change result in a new account date? Or does it inherit the account date of the original card?

Thanks!

No, you cannot PC an Amex charge card to a revolver. A PC would keep the original date

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

119574 — Tue, 14 Jul 2015 19:45:08 GMT

Thank you for the reply!

I also have a blue cash preferred. Could I PC the BCP to the Everyday (not blue cash) so that I have a place for the Membership Rewards from the PRG to go and then cancel the PRG? Does that make sense?

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

Anonymous — Tue, 14 Jul 2015 19:49:09 GMT

@119574 wrote:
Thank you for the reply!

I also have a blue cash preferred. Could I PC the BCP to the Everyday (not blue cash) so that I have a place for the Membership Rewards from the PRG to go and then cancel the PRG? Does that make sense?

Yes you can do that and should if you plan on closing the PRG. if you close it and have no place for the MR points to go, they will be lost.

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

noobody — Tue, 14 Jul 2015 20:00:58 GMT

I don't think you can PC BCE/BCP to ED(P)
Have to apply

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

mikelo22 — Tue, 14 Jul 2015 20:02:02 GMT

Amex wouldn't let me PC my BCE to the Everyday because they have different reward structures.

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

Anonymous — Tue, 14 Jul 2015 20:49:36 GMT

@noobody wrote:
I don't think you can PC BCE/BCP to ED(P)
Have to apply

Oh. Thanks for the info asi I thought you could

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

Ghoshida — Tue, 14 Jul 2015 20:57:32 GMT

Yup, in my understanding, two types of product changes are a no-go with AMEX.

(a) Revolver to charge and vice-versa

(b) MR points to cash-back and vice-versa.

Our best bet for the second case is to apply for the other card and transfer CLI from the older card. Not sure if that's possible with the first case, i.e. between charge and revolvers. Especially with NPSLs.

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

119574 — Tue, 14 Jul 2015 21:08:53 GMT

Thanks for the replies everyone.

In the name of just giving it a shot, I played dumb and tried to get an online representative to do the PC. They essentially confirmed Ghoshida's info below. They won't make a change in either of those situations.

New question: Does applying for an Everyday mean a hard pull? Or can it be a soft pull since I already have Amex cards?

@Ghoshida wrote:
Yup, in my understanding, two types of product changes are a no-go with AMEX.

(a) Revolver to charge and vice-versa
(b) MR points to cash-back and vice-versa.

Our best bet for the second case is to apply for the other card and transfer CLI from the older card. Not sure if that's possible with the first case, i.e. between charge and revolvers. Especially with NPSLs.

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

Anonymous — Tue, 14 Jul 2015 21:10:31 GMT

@119574 wrote:
Thanks for the replies everyone.

In the name of just giving it a shot, I played dumb and tried to get an online representative to do the PC. They essentially confirmed Ghoshida's info below. They won't make a change in either of those situations.

New question: Does applying for an Everyday mean a hard pull? Or can it be a soft pull since I already have Amex cards?
@Ghoshida wrote:
Yup, in my understanding, two types of product changes are a no-go with AMEX.

(a) Revolver to charge and vice-versa
(b) MR points to cash-back and vice-versa.

Our best bet for the second case is to apply for the other card and transfer CLI from the older card. Not sure if that's possible with the first case, i.e. between charge and revolvers. Especially with NPSLs.

Definitely a HP if you get approved and probably an SP if you get denied.

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

Anonymous — Wed, 15 Jul 2015 00:22:15 GMT

Last week got PRG, cold app'd for BCP got approved for BCP for 1k and it was one hard pull. Applied last week (Thursday to be exact) for EDP was flagged for too many apps too close. Called verified info, approved yesterday for 9500 on EDP.

I had charged and paid 1.3k on PRG and 500 on BCP

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

joedtx — Mon, 07 Sep 2015 07:19:23 GMT

@Ghoshida wrote:
Yup, in my understanding, two types of product changes are a no-go with AMEX.

(a) Revolver to charge and vice-versa
(b) MR points to cash-back and vice-versa.

Our best bet for the second case is to apply for the other card and transfer CLI from the older card. Not sure if that's possible with the first case, i.e. between charge and revolvers. Especially with NPSLs.

Would the OP be able to apply for the ED / Approved and retain his member since date along with tranfer points from the PRG ?

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

UncleB — Mon, 07 Sep 2015 08:14:15 GMT

@joedtx wrote:
@Ghoshida wrote:
Yup, in my understanding, two types of product changes are a no-go with AMEX.

(a) Revolver to charge and vice-versa
(b) MR points to cash-back and vice-versa.

Our best bet for the second case is to apply for the other card and transfer CLI from the older card. Not sure if that's possible with the first case, i.e. between charge and revolvers. Especially with NPSLs.
Would the OP be able to apply for the ED / Approved and retain his member since date along with tranfer points from the PRG ?

If he is approved for the ED the member date printed on the card will be his 'old' date, but the date on the credit bureaus will be the actual date the card was opened, since Amex no longer backdates.

There should be no problem transferring points to/from the PRG.

Re: Possible to product change Amex Premier Rewards Gold to Amex Everyday?

Anonymous — Mon, 07 Sep 2015 08:32:45 GMT

If you don't want a HP and you know where you will most likely use the points you could also exchange them out to your preferred airline or hotel program before you close the card. Maybe not ideal but then if you don't value the points turning your BCE to an ED seems wrong for your too.