topic Re: Want a AmEx Hilton Product Change in Credit Cards

Want a AmEx Hilton Product Change

BronzeTrader — Wed, 21 Dec 2016 04:20:27 GMT

It seems AmEx allows PC. I prefer to PC this Hilton to something else. Thinking about SPG or AmEx Everyday. Not sure if anything else is better. What you think?

Re: Want a AmEx Hilton Product Change

wasCB14 — Wed, 21 Dec 2016 04:39:42 GMT

@BronzeTrader wrote:
It seems AmEx allows PC. I prefer to PC this Hilton to something else. Thinking about SPG or AmEx Everyday. Not sure if anything else is better. What you think?

Not sure if Hilton can become SPG, but you won't be able to PC to EveryDay.

Re: Want a AmEx Hilton Product Change

UncleB — Wed, 21 Dec 2016 05:20:52 GMT

At one time a PC from one co-brand card to another co-brand card was possible with Amex... it was actually common for people to PC their Delta Gold to a Hilton to get out of the AF, yet still keep the account open.

Unfortunately it is no longer possible. Now you can only PC within the same 'family' of cards, i.e. Delta Gold to Delta Platinum, BCE to BCP, Green to PRG, etc.

Pooka89 spelled it out in this thread shortly after the change went into effect: http://ficoforums.myfico.com/t5/Credit-Cards/Any-success-in-PCing-an-AmEx-SPG-to-another-AmEx-card/m-p/4553885#M1315181

(If I recall correctly, it was never possible to change from a co-brand to a "proprietary" card in any case, i.e. change from Hilton to ED.)

Re: Want a AmEx Hilton Product Change

BronzeTrader — Wed, 21 Dec 2016 05:42:29 GMT

@UncleB wrote:
At one time a PC from one co-brand card to another co-brand card was possible with Amex... it was actually common for people to PC their Delta Gold to a Hilton to get out of the AF, yet still keep the account open.

Unfortunately it is no longer possible. Now you can only PC within the same 'family' of cards, i.e. Delta Gold to Delta Platinum, BCE to BCP, Green to PRG, etc.

Pooka89 spelled it out in this thread shortly after the change went into effect: http://ficoforums.myfico.com/t5/Credit-Cards/Any-success-in-PCing-an-AmEx-SPG-to-another-AmEx-card/m-p/4553885#M1315181

(If I recall correctly, it was never possible to change from a co-brand to a "proprietary" card in any case, i.e. change from Hilton to ED.)

This sucks. This card is more than 10 years old..... Keep it in my draw to age....

Re: Want a AmEx Hilton Product Change

Anonymous — Wed, 21 Dec 2016 08:50:44 GMT

@BronzeTrader wrote:
@UncleB wrote:
At one time a PC from one co-brand card to another co-brand card was possible with Amex... it was actually common for people to PC their Delta Gold to a Hilton to get out of the AF, yet still keep the account open.

Unfortunately it is no longer possible. Now you can only PC within the same 'family' of cards, i.e. Delta Gold to Delta Platinum, BCE to BCP, Green to PRG, etc.

Pooka89 spelled it out in this thread shortly after the change went into effect: http://ficoforums.myfico.com/t5/Credit-Cards/Any-success-in-PCing-an-AmEx-SPG-to-another-AmEx-card/m-p/4553885#M1315181

(If I recall correctly, it was never possible to change from a co-brand to a "proprietary" card in any case, i.e. change from Hilton to ED.)
This sucks. This card is more than 10 years old..... Keep it in my draw to age....

If its the no AF hhonors card check to see if you can get the upgrade to the surpass, it should be easy to get another 50k hhonors points. Granted its not worth a ton, it is not that hard to downgrade if it doesnt work for you. If you never stay at hilton hotels, you could try to earn extra points through their dining program. The card is more than 10 years old. Ok. Is it your oldest card? It would still positively help your score for 10 years while your other cards are aging if you decide to close it.

Re: Want a AmEx Hilton Product Change

BronzeTrader — Wed, 21 Dec 2016 13:05:03 GMT

@Anonymous wrote:
@BronzeTrader wrote:

This sucks. This card is more than 10 years old..... Keep it in my draw to age....
If its the no AF hhonors card check to see if you can get the upgrade to the surpass, it should be easy to get another 50k hhonors points. Granted its not worth a ton, it is not that hard to downgrade if it doesnt work for you. If you never stay at hilton hotels, you could try to earn extra points through their dining program. The card is more than 10 years old. Ok. Is it your oldest card? It would still positively help your score for 10 years while your other cards are aging if you decide to close it.

No point to upgrade if I have the CSR. I do not think I get any bonus if I upgrade. My oldest CC is probably Discover, more than 18 years old. Since this is my only AmEx card, I do not think AmEx will automatically close it. I use it like once a year just to keep it alive.

Re: Want a AmEx Hilton Product Change

Anonymous — Wed, 21 Dec 2016 16:24:41 GMT

Just FYI on cards with no annual fee, we will usually (not always, but no way to verify if) close an account after six consecutive months of zero activity. We usually recommend put so sort of quarterly or bi-annual charge on it and just set up autopay so you don't have to worry about it. Hope this helps.

Re: Want a AmEx Hilton Product Change

UncleB — Wed, 21 Dec 2016 16:34:52 GMT

@Anonymous wrote:
Just FYI on cards with no annual fee, we will usually (not always, but no way to verify if) close an account after six consecutive months of zero activity. We usually recommend put so sort of quarterly or bi-annual charge on it and just set up autopay so you don't have to worry about it. Hope this helps.

Another great tidbit for us... thanks as always, Pooka!

Re: Want a AmEx Hilton Product Change

icloud2525 — Wed, 21 Dec 2016 16:46:00 GMT

I was given 100k bonus to upgrade to surpass. Well worth it in my eyes.

Re: Want a AmEx Hilton Product Change

Anonymous — Wed, 21 Dec 2016 20:27:36 GMT

@Anonymous wrote:
Just FYI on cards with no annual fee, we will usually (not always, but no way to verify if) close an account after six consecutive months of zero activity. We usually recommend put so sort of quarterly or bi-annual charge on it and just set up autopay so you don't have to worry about it. Hope this helps.

Thanks for the info Pooka. I *think* I've gone more than 6 months without using my BCE and it's still active but just like you said, it's not guaranteed!

This reminds me.. I should probably put a small charge since I haven't used that card in a while!

EDIT* Just checked! My last transaction on my BCE was MAY 29! Thankfully my card is still open but I should put a charge on it today!

Re: Want a AmEx Hilton Product Change

BronzeTrader — Thu, 22 Dec 2016 00:51:19 GMT

@Anonymous wrote:
@Anonymous wrote:
Just FYI on cards with no annual fee, we will usually (not always, but no way to verify if) close an account after six consecutive months of zero activity. We usually recommend put so sort of quarterly or bi-annual charge on it and just set up autopay so you don't have to worry about it. Hope this helps.
Thanks for the info Pooka. I *think* I've gone more than 6 months without using my BCE and it's still active but just like you said, it's not guaranteed!

This reminds me.. I should probably put a small charge since I haven't used that card in a while!

EDIT* Just checked! My last transaction on my BCE was MAY 29! Thankfully my card is still open but I should put a charge on it today!

This card was last used in 8/2014. Then in 10/2016. Dormant for more than 2 years.

Re: Want a AmEx Hilton Product Change

SunriseEarth — Thu, 22 Dec 2016 01:06:31 GMT

@BronzeTrader wrote:
@Anonymous wrote:
@Anonymous wrote:
Just FYI on cards with no annual fee, we will usually (not always, but no way to verify if) close an account after six consecutive months of zero activity. We usually recommend put so sort of quarterly or bi-annual charge on it and just set up autopay so you don't have to worry about it. Hope this helps.
Thanks for the info Pooka. I *think* I've gone more than 6 months without using my BCE and it's still active but just like you said, it's not guaranteed!

This reminds me.. I should probably put a small charge since I haven't used that card in a while!

EDIT* Just checked! My last transaction on my BCE was MAY 29! Thankfully my card is still open but I should put a charge on it today!
This card was last used in 8/2014. Then in 10/2016. Dormant for more than 2 years.

I think these things are always YMMV.

I only use my BCE these days for AMEX offers or presale. Unfortunately, the categories aren't competitive with my current lineup, yet 3% groceries would come in handy when my SallieMae gets nerfed. Unfortunately, I'm not a fan of how AMEX's cash back program works. Rewards take two statements to post and can only be redeemed in $25 increments...IMHO, it's probably the worst cash back program out there. That being the case, I'll likely use Cash+ for 2% groceries instead.

Re: Want a AmEx Hilton Product Change

BronzeTrader — Thu, 22 Dec 2016 01:33:21 GMT

It does not sound good. I was looking at the AmEx Everyday. Only for AmEx offers etc. But Chase has its own shopping programs too. I just got 3% more with J Crew order. Plus the base 1.5% and 1.5x CSR, it is a good reward.

May wait to get a Plat....

Re: Want a AmEx Hilton Product Change

BronzeTrader — Thu, 22 Dec 2016 02:28:36 GMT

I just bite the bullet and applied for the AmEx Everyday CC. I did the app over the phone since my credit has alert on. It was approved over the phone and they will send the CC express. The main purpose of this CC is for AmEx offers and possible points transfer. Not an everyday card for me.

Re: Want a AmEx Hilton Product Change

Anonymous — Thu, 22 Dec 2016 03:51:13 GMT

@BronzeTrader wrote:
I just bite the bullet and applied for the AmEx Everyday CC. I did the app over the phone since my credit has alert on. It was approved over the phone and they will send the CC express. The main purpose of this CC is for AmEx offers and possible points transfer. Not an everyday card for me.

Congrats! hope you got the 25k bonus MRs! Pretty easy to get....