topic Re: Question on Amex Bonus in Credit Cards

Question on Amex Bonus

Anonymous — Thu, 03 Aug 2017 15:41:31 GMT

If I have the BCE and for the $100 spend bonus with it... and I apply for a BCP (not upgrade) ... do I still get the $150 spend bonus offer?

Re: Question on Amex Bonus

Anonymous — Thu, 03 Aug 2017 15:43:14 GMT

Yes, as long as you haven't had the BCP in the past.

Re: Question on Amex Bonus

simplynoir — Thu, 03 Aug 2017 15:45:22 GMT

Also, if you're gonna apply for the BCP make sure you get the $250 singup bonus to maximize your rewards; believe that's the best offer for the card atm.

Re: Question on Amex Bonus

MrDisco99 — Thu, 03 Aug 2017 15:47:51 GMT

I'm pretty sure Amex will deny you the BCP if you have a BCE. Same with ED/EDP.

That said, once you've had the BCE for a year, Amex will send you upgrade bonus offers for the BCP.

Re: Question on Amex Bonus

simplynoir — Thu, 03 Aug 2017 15:58:27 GMT

You can have both cards (BCE/BCP) but as you sort of pointed out don't think you can have both so soon between apps (if that's the case) and also why would you when upgrade offers include the bonuses.

Re: Question on Amex Bonus

Anonymous — Thu, 03 Aug 2017 16:22:28 GMT

"I'm pretty sure Amex will deny you the BCP if you have a BCE. Same with ED/EDP."

Say what?!

Re: Question on Amex Bonus

Anonymous — Thu, 03 Aug 2017 16:40:42 GMT

I know it’s not the exact same but I just applied for and got both Hilton Honors cards only two weeks apart of each other after calling and asking a rep if I could get the signup bonus for both. The only issue I had was I had to use a different browser since every time it asked me if I wanted to upgrade my current card and would not give me the option to apply. I also only got a credit limit of $1,000 on the second card.

Re: Question on Amex Bonus

MrDisco99 — Thu, 03 Aug 2017 17:12:07 GMT

@Anonymous wrote:
"I'm pretty sure Amex will deny you the BCP if you have a BCE. Same with ED/EDP."

Say what?!

I haven't tried it myself. Just repeating what I've heard. Feel free to give it a try and let us know the results.

Re: Question on Amex Bonus

simplynoir — Thu, 03 Aug 2017 17:23:34 GMT

@MrDisco99 wrote:
@Anonymous wrote:
"I'm pretty sure Amex will deny you the BCP if you have a BCE. Same with ED/EDP."

Say what?!
I haven't tried it myself. Just repeating what I've heard. Feel free to give it a try and let us know the results.

No need to try when it's possible to have both at the same time if the person is so inclined.

Re: Question on Amex Bonus

Anonymous — Thu, 03 Aug 2017 17:24:32 GMT

@MrDisco99 wrote:
@Anonymous wrote:
"I'm pretty sure Amex will deny you the BCP if you have a BCE. Same with ED/EDP."

Say what?!
I haven't tried it myself. Just repeating what I've heard. Feel free to give it a try and let us know the results.

Pooka89 knows that you can get both cards. He is an ex Amex employee

Re: Question on Amex Bonus

MrDisco99 — Thu, 03 Aug 2017 17:27:11 GMT

@Anonymous wrote:
@MrDisco99 wrote:
@Anonymous wrote:
"I'm pretty sure Amex will deny you the BCP if you have a BCE. Same with ED/EDP."

Say what?!
I haven't tried it myself. Just repeating what I've heard. Feel free to give it a try and let us know the results.
Pooka89 knows that you can get both cards. He is an ex Amex employee

Well then I stand corrected.

Re: Question on Amex Bonus

Anonymous — Fri, 04 Aug 2017 08:56:58 GMT

First of all i was not asking for me. It was just a question. But... the reason being is my Mom maxes out her spend category on the card. She wanted a second and I said the BCP is better for what she uses it for.

Second.... I have seen plenty of people on here who have both cards, or even 2 of the same card, like 2 BCP’s.

Third.... I love how on this board when you ask a question instead of getting an answer you get a ton of opinions. Lol. Cracks me up every time.

Fourth... thank you for those who replies and gave me the answer to the question (and for the opinions I suppose)

Re: Question on Amex Bonus

MrDisco99 — Fri, 04 Aug 2017 14:03:57 GMT

So the comment I'd made about the BCE/BCP was based on comments I'd read from more than one person on a thread I'd started a few weeks ago asking about the BCP. I don't just make stuff up to post here, but apparently some people do. And while I try to be factual in what I say, I don't claim to be correct 100% of the time, and I'm happy to be corrected, as I was above.

So here's an opinion for you...

Don't take anything you read here as fact. Sure, this is a great place to get first hand info about credit cards and a lot of people here know what they're talking about. However, as with any forum with this many people on it, you're also going to see lots of incorrect information. Sometimes even the smartest people get it wrong. We may think we're experts, but the only real experts are the people on the other end of your phone when you call your bank. They are the only ones who can tell you with authority how it's going to be. The rest of us are just spectators and rumor spreaders. And that's not necessarily a bad thing. We're all just trying to help each other out and offer and receive good advice, and that's a very good thing. But don't hold us to any factual standards. Appreciate the opinions. Sometimes they're proveably wrong, but sometimes they're just as valuable as the facts.

Re: Question on Amex Bonus

Anonymous — Fri, 04 Aug 2017 14:21:08 GMT

@MrDisco99 wrote:
So the comment I'd made about the BCE/BCP was based on comments I'd read from more than one person on a thread I'd started a few weeks ago asking about the BCP. I don't just make stuff up to post here, but apparently some people do. And while I try to be factual in what I say, I don't claim to be correct 100% of the time, and I'm happy to be corrected, as I was above.

So here's an opinion for you...

Don't take anything you read here as fact. Sure, this is a great place to get first hand info about credit cards and a lot of people here know what they're talking about. However, as with any forum with this many people on it, you're also going to see lots of incorrect information. Sometimes even the smartest people get it wrong. We may think we're experts, but the only real experts are the people on the other end of your phone when you call your bank. They are the only ones who can tell you with authority how it's going to be. The rest of us are just spectators and rumor spreaders. And that's not necessarily a bad thing. We're all just trying to help each other out and offer and receive good advice, and that's a very good thing. But don't hold us to any factual standards. Appreciate the opinions. Sometimes they're proveably wrong, but sometimes they're just as valuable as the facts.

I think people sharing their opinions is great and don't really see a problem with that in this thread. People do give out incorrect information but others, as was done in this thread, correct them and ultimately the right answer is provided if there was a question to start with. Where you are making a big mistake is assuming what I highlighted to be correct. CSRs and others that you typically get on the phone when calling creditors are often the worst people to answer a question like the one asked in this thread. Unfortunately a lot of these customer reps are poorly trained and completely unfamiliar with their own bank's policies and give out completely wrong information. Quite often you will discover that people on these forums are a lot more knowledgeable on credit issues and more helpful than a creditor's CSR. There are absolutely times when it's better to call in on certain issues but always be prepared to be given bad answers.

Re: Question on Amex Bonus

MrDisco99 — Fri, 04 Aug 2017 14:33:37 GMT

@Anonymous wrote:
@MrDisco99 wrote:
So the comment I'd made about the BCE/BCP was based on comments I'd read from more than one person on a thread I'd started a few weeks ago asking about the BCP. I don't just make stuff up to post here, but apparently some people do. And while I try to be factual in what I say, I don't claim to be correct 100% of the time, and I'm happy to be corrected, as I was above.

So here's an opinion for you...

Don't take anything you read here as fact. Sure, this is a great place to get first hand info about credit cards and a lot of people here know what they're talking about. However, as with any forum with this many people on it, you're also going to see lots of incorrect information. Sometimes even the smartest people get it wrong. We may think we're experts, but the only real experts are the people on the other end of your phone when you call your bank. They are the only ones who can tell you with authority how it's going to be. The rest of us are just spectators and rumor spreaders. And that's not necessarily a bad thing. We're all just trying to help each other out and offer and receive good advice, and that's a very good thing. But don't hold us to any factual standards. Appreciate the opinions. Sometimes they're proveably wrong, but sometimes they're just as valuable as the facts.
I think people sharing their opinions is great and don't really see a problem with that in this thread. People do give out incorrect information but others, as was done in this thread, correct them and ultimately the right answer is provided if there was a question to start with. Where you are making a big mistake is assuming what I highlighted to be correct. CSRs and others that you typically get on the phone when calling creditors are often the worst people to answer a question like the one asked in this thread. Unfortunately a lot of these customer reps are poorly trained and completely unfamiliar with their own bank's policies and give out completely wrong information. Quite often you will discover that people on these forums are a lot more knowledgeable on credit issues and more helpful than a creditor's CSR. There are absolutely times when it's better to call in on certain issues but always be prepared to be given bad answers.

Fair point. This forum is full of accounts from people who have received wrong information from bank CSRs.

Once again, I stand corrected.

Re: Question on Amex Bonus

Anonymous — Fri, 04 Aug 2017 14:34:20 GMT

@Anonymous wrote:
First of all i was not asking for me. It was just a question. But... the reason being is my Mom maxes out her spend category on the card. She wanted a second and I said the BCP is better for what she uses it for.

Second.... I have seen plenty of people on here who have both cards, or even 2 of the same card, like 2 BCP’s.

Third.... I love how on this board when you ask a question instead of getting an answer you get a ton of opinions. Lol. Cracks me up every time.

Fourth... thank you for those who replies and gave me the answer to the question (and for the opinions I suppose)

I assume that would be via an upgrade (i.e. you have a BCP and a BCE and then upgrade the BCE)? AFAIK you cannot apply for a second BCP, whereas you can apply for both BCE and BCP. But could easily be wrong!

Re: Question on Amex Bonus

Anonymous — Sat, 05 Aug 2017 12:40:51 GMT

I agree with Irish. Some CSRs are idiots. Most companies too the answers will change based on which CSR you get.

I guess I will have her ask, but again, she could get old yes, and then not get it, or vice versa. Just thought someone on here would knkw from personal experience. I know some people have both the BCE and the BCP from 2 separate apps. Maybe that was from a while back tho. Some of these CC Comanpies change the rules as time goes by.