topic Re: Amex help in Credit Cards

Amex help

Hubcapjw — Tue, 11 Oct 2016 02:46:39 GMT

I have the gold Amex delta and I really don't wanna pay the annual fee anymore. Is it possible to pc to the everyday or another kind? On a side note my dream card would be an Amex from USAA. To me it would be the best of both worlds. Thank you in advance for answering. [jeff]

Re: Amex help

Anonymous — Tue, 11 Oct 2016 03:46:34 GMT

First off, sorry I have no idea whether you can PC with Amex. But, USAA is a great bank to work with and the new 2.5% card* they are product testing looks amazing! Can't wait to get one myself.

(*I've read no reports on whether it will be AMEX or otherwise.)

Re: Amex help

austinguy907 — Tue, 11 Oct 2016 03:55:37 GMT

You can PC AMEX (Centurion Bank) to BCE/BCP ED/EDP etc. USAA is a completely different bank than Centurion and would be a co-branded card. The rules on PC though are charge to charge or revolver to revolver. Sometimes you may run into an issue switching from say Delta to Hilton or SPG or any other "brand" due to the unferwriting and agreements with those companies.

Re: Amex help

Hubcapjw — Tue, 11 Oct 2016 03:58:04 GMT

Yea I have a visa through usaa, my car ins., and checking account. Absolutely love the company. Figured if you have usaa Amex; you have 2 great companies working for you.

Re: Amex help

austinguy907 — Tue, 11 Oct 2016 03:59:39 GMT

It's still the same company unless you see the card listed @ www.americanexpress.com it's a co-branded card which doesn't provide the same benefits but, is accepted as an AMEX when swiped.

Re: Amex help

Hubcapjw — Tue, 11 Oct 2016 03:59:43 GMT

I have like 85,000 miles on the delta. Would I lose them?

Re: Amex help

austinguy907 — Tue, 11 Oct 2016 04:01:39 GMT

If you can see your miles on Delta.com then no. But since you're wanting to open a USAA Amex card it would be opening a new account with USAA and not Amex proper.

Re: Amex help

Hubcapjw — Tue, 11 Oct 2016 04:04:30 GMT

Sorry should have been more clear. I know that usaa is a different bank. I was just trying to say I would like the usaa card in the future. Was really trying to find out about Amex pcing. Sorry for the mix up and thank you for the responses.

Re: Amex help

austinguy907 — Tue, 11 Oct 2016 04:08:06 GMT

NP, they don't co-mingle even though they both say amex in the bottom right corner.

Re: Amex help

wasCB14 — Tue, 11 Oct 2016 04:18:38 GMT

@austinguy907 wrote:
You can PC AMEX (Centurion Bank) to BCE/BCP ED/EDP etc. USAA is a completely different bank than Centurion and would be a co-branded card. The rules on PC though are charge to charge or revolver to revolver. Sometimes you may run into an issue switching from say Delta to Hilton or SPG or any other "brand" due to the unferwriting and agreements with those companies.

I don't think Delta-to-ED and Delta-to-EDP are allowed. I've only heard of Blue PCing to the ED/EDP family.

Re: Amex help

Anonymous — Tue, 11 Oct 2016 04:20:00 GMT

Sorry but the Delta Skymiles cards cannot be product-changed to any no-fee products at this time.

Re: Amex help

Hubcapjw — Tue, 11 Oct 2016 04:49:11 GMT

Yes was just on Amex chat. They will only allow you to upgrade and downgrade within the delta family. It's true you can not pic to everyday and the like.

Re: Amex help

Anonymous — Tue, 11 Oct 2016 05:12:35 GMT

Do you not fly delta anymore? If it doesn't make sense to pay the $95 AF anymore, close it.

Re: Amex help

Hubcapjw — Tue, 11 Oct 2016 05:16:31 GMT

I don't want to take a hit for another Amex product. I love Amex as a company so I don't want to get rid of it. I might just downgrade to the $55 fee delta.

Re: Amex help

Anonymous — Tue, 11 Oct 2016 06:13:12 GMT

They have a $55 Delta?