topic Re: Upgrade Green to prg?? in Credit Cards

Upgrade Green to prg??

taxi818 — Sun, 15 Nov 2015 01:15:46 GMT

Im thinking about upgrading my Amex Green to prg since I would get more points per purchase as im trying to use the charge card more instead of revolvers as it forces me not to carry any balances. Any one knows if it would be Hp if approved for the upgrade? If so i don't want it. I just can't understand why they just can't pc the card instead of having to apply for upgrade. this is very strange seeing i would keep the history and the same card number. Any advice taken. Thanks Taxi.

Re: Upgrade Green to prg??

NRB525 — Sun, 15 Nov 2015 01:19:39 GMT

Any reason not to just app for the 50k MR points offer?

Do you see an offer to PC the Green to PRG for 50k MR points?

Re: Upgrade Green to prg??

taxi818 — Sun, 15 Nov 2015 01:25:29 GMT

@NRB525 wrote:
Any reason not to just app for the 50k MR points offer?
Do you see an offer to PC the Green to PRG for 50k MR points?

No i did not see that offer to pc it. I see if i app for it. just wanted to get more points from my current usage not sure i wanted to app even for 50k but that is a nice offer. If it is hp to upgrade then i would just app for that instead of doing pc. Im not sure however if hp to upgrade or pc a card.

Re: Upgrade Green to prg??

eddie84 — Sun, 15 Nov 2015 01:33:53 GMT

It shouldn't be a HP. I started with a Green card, upgraded to Platinum, downgraded to PRG and now back at Green (don't use it enough to justify the AF). lol Never had a HP for any of them.

Re: Upgrade Green to prg??

NRB525 — Sun, 15 Nov 2015 01:44:07 GMT

The only reference point I can provide is I apped for the Delta Platinum card while having the Delta Gold card. This was a separate application, and I ended up with two cards, HP on the Delta Platinum app, and whatever the bonus offering was for the Delta Platinum. I do see offers in the American Express website to upgrade my Hilton card to Surpass, and that looks like it keeps the same account, then provides additional Hilton points.

If you are looking to score MR points, there's no better way than to use the In Private browsing to find that offer and get the PRG 50k points. Until you find the offer (it may take some time to find it) you would be better off waiting and continuing to use the Green.

If you are on the American Express site and you look at the PRG, and they offer to upgrade you to the PRG with a bonus points amount, it should say there that they will keep the same account number (presuming it is even offered) and my guess is those types of upgrades would be no HP. But I have no direct experience to verify that.

Checking today, logged in to my American Express account, if I look for the Delta Platinum card, it has an application offer for 5,000 MQM plus 35,000 Delta miles, for $1k spend, and is a new card number, would be a HP. I find this a little surprising because I did app for the Delta Platinum just over a year ago, and got a bonus, then closed it within a few months, but ok.

When I check the Delta Reserve card, the offer is NO miles, but "your card number will stay the same" and it is termed an Upgrade. With the $450 annual fee immediately due I'm sure. I don't see any miles offer with that. such a deal.

IDK, if it were me, I'd look for the 50k PRG offer.

Re: Upgrade Green to prg??

NRB525 — Sun, 15 Nov 2015 01:47:18 GMT

@eddie84 wrote:
It shouldn't be a HP. I started with a Green card, upgraded to Platinum, downgraded to PRG and now back at Green (don't use it enough to justify the AF). lol Never had a HP for any of them.

Did you get a spend bonus on any of those PC moves?

Re: Upgrade Green to prg??

taxi818 — Sun, 15 Nov 2015 01:49:21 GMT

I'm looking for offer but no dice. It dies say I would keep sane number if approved. I'm like approved which makes me think hp. I will wait. Just paid AF 2 days ago.

Re: Upgrade Green to prg??

NRB525 — Sun, 15 Nov 2015 02:09:00 GMT

Could be; HP, no points.

It may keep the same account, so account age may be the only benefit.

Does it say whether the PRG AF is waived the first year? Don't assume it is waived unless it say so explicitly, and I'm guessing not waived if same account.

Re: Upgrade Green to prg??

ddemari — Sun, 15 Nov 2015 02:11:57 GMT

I upgraded my green to platinum, no hard pull they just send you a new card and say to use your card until the new one comes. I wish I could have signed up for a new card because I would have done a sign up bonus but Amex is pretty firm on only wanting to issue me one card account. But after a year with a card or mine was 11 months at the time, I started getting the upgrade boxes again and it finally worked and said congrats your new card is on the way. It has the same numbers that green had except the 4 digit number and crv on back are new.

Re: Upgrade Green to prg??

Open123 — Sun, 15 Nov 2015 02:17:25 GMT

Anyone who properly uses private (cookies & cache cleared) mode in any browser will see the offer:

Whether to app anew or PC would depend on the following:

1. If offered to upgrade (there's never a HP with an upgrade) with 50K bonus points.

2. Upgrade with no bonus - if price of HP & new TL is =/< $1,000, then apply for a new App for the bonus.

3. If price of HP & TL is =/> $1,000, then upgrade with sans HP and bonus.

For this offer, unless there is a compelling reason to avoid the HP & new TL, applying new is overwhelmingly the better choice, especially considering PC'ing into the PRG will disqualify the cardmember from all future PRG bonuses.

All things being equal, unless offered a bonus, never PC Amex cards.

Re: Upgrade Green to prg??

NRB525 — Sun, 15 Nov 2015 02:20:32 GMT

@ddemari wrote:
I upgraded my green to platinum, no hard pull they just send you a new card and say to use your card until the new one comes. I wish I could have signed up for a new card because I would have done a sign up bonus but Amex is pretty firm on only wanting to issue me one card account. But after a year with a card or mine was 11 months at the time, I started getting the upgrade boxes again and it finally worked and said congrats your new card is on the way. It has the same numbers that green had except the 4 digit number and crv on back are new.

So you had your Green for 11 months, at which time the "Upgrade and keep the same account" appeared, so you selected that and got a Platinum with the same account, different outside codes?

And you were simply denied any apps you tried outside that upgrade to get a second card that was a Platinum, in addition to the Green? No sign up bonus?

Re: Upgrade Green to prg??

Open123 — Sun, 15 Nov 2015 02:22:41 GMT

@ddemari wrote:
I upgraded my green to platinum, no hard pull they just send you a new card and say to use your card until the new one comes. I wish I could have signed up for a new card because I would have done a sign up bonus but Amex is pretty firm on only wanting to issue me one card account. But after a year with a card or mine was 11 months at the time, I started getting the upgrade boxes again and it finally worked and said congrats your new card is on the way. It has the same numbers that green had except the 4 digit number and crv on back are new.

How did you reach this conclusion?

Re: Upgrade Green to prg??

NRB525 — Sun, 15 Nov 2015 02:25:12 GMT

@Open123 wrote:
Anyone who properly uses private (cookies & cache cleared) mode in any browser will see the offer:

Whether to app anew or PC would depend on the following:

1. If offered to upgrade (there's never a HP with an upgrade) with 50K bonus points.
2. Upgrade with no bonus - if price of HP & new TL is =/< $1,000, then apply for a new App for the bonus.
3. If price of HP & TL is =/> $1,000, then upgrade with sans HP and bonus.

For this offer, unless there is a compelling reason to avoid the HP & new TL, applying new is overwhelmingly the better choice, especially considering PC'ing into the PRG will disqualify the cardmember from all future PRG bonuses.

All things being equal, unless offered a bonus, never PC Amex cards.

+1,000

$1,000 that is

For #3, and #2 for that matter, I think people who "put a price" on their HP are a little too wrapped up in HP having value. HP don't have value. HP are either used, then fade, or not used, not utilized. There is no "I put my HP in the bank and I'm so happy I did" option

Re: Upgrade Green to prg??

Open123 — Sun, 15 Nov 2015 02:28:11 GMT

@NRB525 wrote:
For #3, and #2 for that matter, I think people who "put a price" on their HP are a little too wrapped up in HP having value. HP don't have value. HP are either used, then fade, or not used, not utilized. There is no "I put my HP in the bank and I'm so happy I did" option

Couldn't agree with you more, the only price is really the TL. However, on this forum, if I didn't include "potential" HP price, can you imagine how many replies will ensue pointing out the oversight? LOL

Re: Upgrade Green to prg??

ddemari — Sun, 15 Nov 2015 03:27:34 GMT

While I had my Amex green card I tried applying for other charge cards and revolving cards, always denied. I got this Amex in August in 2014 when they were still back dating. I filed bankruptcy in 2003 when I was going on 19, I can't remember if I included Amex or not. But they back dated the card to 2003 and I think they remember better than I do.
Because I had a platinum card and gold card and also a blue credit card. Never a green and it was the only card they would let me back in. They won't even give me a delta ya know lol.

Re: Upgrade Green to prg??

Anonymous — Sun, 15 Nov 2015 03:35:06 GMT

You have to have your card at least 13 months before Amex can upgrade you to a higher AF card. You can always apply for a different card for the bonus and close one, but I'm assuming you haven't had the green for 13 months at least. The upgrade when and if you are eligible will not be a hard pull, also, I believe you wont be eligible for any bonuses being offered with an upgrade though. I've read on this forum if you apply for a new Amex card and are an existing Amex customer though, you wont get a hard pull reported if you are denied a card, only if you are approved will they report a hard pull you.

Re: Upgrade Green to prg??

eddie84 — Sun, 15 Nov 2015 04:29:49 GMT

@NRB525 wrote:
@eddie84 wrote:
It shouldn't be a HP. I started with a Green card, upgraded to Platinum, downgraded to PRG and now back at Green (don't use it enough to justify the AF). lol Never had a HP for any of them.
Did you get a spend bonus on any of those PC moves?

Nope.

Re: Upgrade Green to prg??

NRB525 — Sun, 15 Nov 2015 04:56:05 GMT

@eddie84 wrote:
@NRB525 wrote:
@eddie84 wrote:
It shouldn't be a HP. I started with a Green card, upgraded to Platinum, downgraded to PRG and now back at Green (don't use it enough to justify the AF). lol Never had a HP for any of them.
Did you get a spend bonus on any of those PC moves?
Nope.

1) Sorry to hear that.

2) Didn't think you would have. Thanks for confirming.

3) Sorry to hear that.

Re: Upgrade Green to prg??

-Cal- — Sun, 15 Nov 2015 05:43:40 GMT

The underwriting for the charge cards are all the same. You can PC to any of them but doing so without a bonus is a waste. This is especially true because Amex can deny you future opportunities to get the bonus on the PRG once you hold the card.

Re: Upgrade Green to prg??

elim — Sun, 15 Nov 2015 05:57:01 GMT

@-Cal- wrote:
The underwriting for the charge cards are all the same. You can PC to any of them but doing so without a bonus is a waste. This is especially true because Amex can deny you future opportunities to get the bonus on the PRG once you hold the card.

hrmmmm, that takes the fun out of it. good information, i think i'll hold PRG for another year then cold app for plat.

take the 50k Taxi !!! incog from a dif browser :]