topic Re: AMEX Product Change Question in Credit Cards

AMEX Product Change Question

KanesInferno — Thu, 12 Oct 2023 23:03:17 GMT

Hello,

Are the only ways to do a product change by chat or phone (is there no way to do the change on the website)?

Also, I assume the answer to this is no but if I product change am I eligible for any of the subs going on for that card? I'm wanting to change my Blue Cash Everyday to the Cash Magnet and am trying to make sure I do this in the most beneficial way.

I appreciate any help!

Re: AMEX Product Change Question

GZG — Thu, 12 Oct 2023 23:13:37 GMT

@KanesInferno wrote:
Hello,

Are the only ways to do a product change by chat or phone (is there no way to do the change on the website)?

Also, I assume the answer to this is no but if I product change am I eligible for any of the subs going on for that card? I'm wanting to change my Blue Cash Everyday to the Cash Magnet and am trying to make sure I do this in the most beneficial way.

I appreciate any help!

you might have an offer to product change, but that offer (if there even is one) is not going to be as good as the SUB.

You will lose the opportunity to get any SUB for the cash magnet by product changing to the cash magnet

so if you want the full SUB, you're going to want to apply for it directly and see if they are willing to give it to you.

considering the cash managet is only 1.5%, no 3% online shopping, no home chef credit, no hulu credit

I wouldn't change my BCE to a cash magnet, personally

do you want the 1.5% or just the SUB?

Re: AMEX Product Change Question

KanesInferno — Thu, 12 Oct 2023 23:45:10 GMT

@GZG wrote:
@KanesInferno wrote:
Hello,

Are the only ways to do a product change by chat or phone (is there no way to do the change on the website)?

Also, I assume the answer to this is no but if I product change am I eligible for any of the subs going on for that card? I'm wanting to change my Blue Cash Everyday to the Cash Magnet and am trying to make sure I do this in the most beneficial way.

I appreciate any help!
you might have an offer to product change, but that offer (if there even is one) is not going to be as good as the SUB.

You will lose the opportunity to get any SUB for the cash magnet by product changing to the cash magnet

so if you want the full SUB, you're going to want to apply for it directly and see if they are willing to give it to you.

considering the cash managet is only 1.5%, no 3% online shopping, no home chef credit, no hulu credit

I wouldn't change my BCE to a cash magnet, personally

do you want the 1.5% or just the SUB?

We'll, the BCE was my first AMEX... afterwards I've gotten the BCP and Gold. The only thing the BCE has for me now is the online shopping but once that caps (like I did months ago this year) then it's a bust. I was looking to maybe use it as the "catch all" card with the 1.5%. If there is an offer I'd definitely consider the change but if it's 1 for 1 without any sort of offer I'm still on the fence.

How would I check for any offers for the product change?

Re: AMEX Product Change Question

K-in-Boston — Fri, 13 Oct 2023 00:15:32 GMT

Everything up above is 100% correct. If you had an upgrade offer (which would only be for BCP, which you already have), it would appear prominently on the account management page for that card (alternately by browsing to Cards -> View All Credit Cards while logged into the Amex website you can see upgrade offers). Unless you have an upgrade offer, there is no way to do a product change without calling or chatting.

Re: AMEX Product Change Question

KanesInferno — Fri, 13 Oct 2023 00:24:01 GMT

@K-in-Boston wrote:
Everything up above is 100% correct. If you had an upgrade offer (which would only be for BCP, which you already have), it would appear prominently on the account management page for that card (alternately by browsing to Cards -> View All Credit Cards while logged into the Amex website you can see upgrade offers). Unless you have an upgrade offer, there is no way to do a product change without calling or chatting.

Thank you, I appreciate the info.

AMEX has treated me incredibly well the last 14+ months (the start of our relationship), I couldn't be happier with them, and am wanting to make sure I maximize my results.

Re: AMEX Product Change Question

SouthJamaica — Fri, 13 Oct 2023 20:44:31 GMT

@KanesInferno wrote:
@GZG wrote:
@KanesInferno wrote:
Hello,

Are the only ways to do a product change by chat or phone (is there no way to do the change on the website)?

Also, I assume the answer to this is no but if I product change am I eligible for any of the subs going on for that card? I'm wanting to change my Blue Cash Everyday to the Cash Magnet and am trying to make sure I do this in the most beneficial way.

I appreciate any help!
you might have an offer to product change, but that offer (if there even is one) is not going to be as good as the SUB.

You will lose the opportunity to get any SUB for the cash magnet by product changing to the cash magnet

so if you want the full SUB, you're going to want to apply for it directly and see if they are willing to give it to you.

considering the cash managet is only 1.5%, no 3% online shopping, no home chef credit, no hulu credit

I wouldn't change my BCE to a cash magnet, personally

do you want the 1.5% or just the SUB?
We'll, the BCE was my first AMEX... afterwards I've gotten the BCP and Gold. The only thing the BCE has for me now is the online shopping but once that caps (like I did months ago this year) then it's a bust. I was looking to maybe use it as the "catch all" card with the 1.5%. If there is an offer I'd definitely consider the change but if it's 1 for 1 without any sort of offer I'm still on the fence.

How would I check for any offers for the product change?

I believe the only way to do a product change would be by phone. You could try chat, but I predict that it will not work.

I've never seen an offer for a product change, so I doubt one can check for them.

Re: AMEX Product Change Question

Anonymous — Fri, 13 Oct 2023 14:37:59 GMT

@KanesInferno wrote:
Hello,

Are the only ways to do a product change by chat or phone (is there no way to do the change on the website)?

Also, I assume the answer to this is no but if I product change am I eligible for any of the subs going on for that card? I'm wanting to change my Blue Cash Everyday to the Cash Magnet and am trying to make sure I do this in the most beneficial way.

I appreciate any help!

Why would it matter where you request the product change? Why would a website change be more beneficial than speaking to a rep?

Re: AMEX Product Change Question

K-in-Boston — Fri, 13 Oct 2023 15:49:05 GMT

@SouthJamaica wrote:
I believe the only way to do a product change would be by phone. You could try chat, but I would predict that it will not work.

Easy there, Nostradamus. I literally did this 9 days ago. People have been doing this all the time for years; it's quick and easy by chat.

@SouthJamaica wrote:
I've never seen an offer for a product change, so I doubt one can check for them.

Seeing is believing. Screenshot taken just now:

Re: AMEX Product Change Question

NoMoreE46 — Fri, 13 Oct 2023 20:31:46 GMT

I will never challenge KIB on any

Amex questions - ever. 😄

Re: AMEX Product Change Question

800wannabe420 — Fri, 13 Oct 2023 20:32:22 GMT

@NoMoreE46 wrote:
I will never challenge KIB on any
Amex questions - ever.

Ditto.

Nostradamus made me laugh out loud 🤣

Re: AMEX Product Change Question

SouthJamaica — Fri, 13 Oct 2023 20:50:15 GMT

@K-in-Boston wrote:
@SouthJamaica wrote:
I believe the only way to do a product change would be by phone. You could try chat, but I would predict that it will not work.
Easy there, Nostradamus. I literally did this 9 days ago. People have been doing this all the time for years; it's quick and easy by chat.

@SouthJamaica wrote:
I've never seen an offer for a product change, so I doubt one can check for them.
Seeing is believing. Screenshot taken just now:

I wasn't talking about upgrades.

And neither was the OP.

The OP was talking about a product change from the BCE to the Cash Magnet.

If OP had been talking about an upgrade from BCE to the BCP, my answer would have been different. In fact, my answer would have been that you don't need a phone call or chat, you could just click on one of the ubiquitous upgrade links of which American Express is so fond.

Re: AMEX Product Change Question

K-in-Boston — Fri, 13 Oct 2023 21:47:11 GMT

@SouthJamaica wrote:
I wasn't talking about upgrades.

And neither was the OP.

The OP was talking about a product change from the BCE to the Cash Magnet.

If OP had been talking about an upgrade from BCE to the BCP, my answer would have been different. In fact, my answer would have been that you don't need a phone call or chat, you could just click on one of the ubiquitous upgrade links of which American Express is so fond.

You can absolutely do a product change from and to BCE, BCP, or even Blue (the one that came with the free chip reader that plugs into your Windows 98, ME, or 2000 computer's parallel port) via chat. An upgrade is a product change. Upgrades, downgrades, and (in the atypical place Cash Magnet holds with the Blue cash back and MR cards) sidegrades are the only types of product changes that Amex allows. They would never give you an offer to do anything but upgrade to a card with an annual fee (or higher annual fee) when doing product changes, no matter the medium you use.

Re: AMEX Product Change Question

SouthJamaica — Sat, 14 Oct 2023 13:38:20 GMT

By "product change" I only meant to address what you call "sidegrades", such as the one OP seeks, which you confirm are never the subject of offers.

As to whether you can do a "sidegrade" by chat, I don't know, as I said in my initial post. I doubt it, but I defer to your greater Amex knowledge. If you say it can be done by chat, so be it. In my experience, any time I've tried to do anything with them through chat which is not routine, I've been referred to a phone number.

Re: AMEX Product Change Question

NAVYCHOP — Sun, 15 Oct 2023 04:56:38 GMT

I recently upgraded my AMEX Bonvoy to the AMEX Brilliant card. By upgrading I received no SUB but since AMEX is reporting that account as opened 36 yrs ago, maintaining the length of credit history on that account was far more important to me than cashing in on a SUB by applying for a new account.