topic Re: coming up on 61 days with Amex??? in Credit Cards

coming up on 61 days with Amex???

Anonymous — Sat, 15 Dec 2012 22:29:51 GMT

I need some advice....I have the green ,BCP and Delta Gold.....I have a 5000 CL on Delta and on BCP I have 2000......Should I try for thr CLI on BCP to 6000 or on the Delta for 15000...(3x's CL )???

I have pumped 3000 on both cards the past 2 months....

I will probably be closing the Delta in a year and allocating the balance to BCP if all goes well.....I have no use for the miles...I fly other airlines...

when I do fly...

I have gotten the 3 month bonus on Delta 30000 miles,Can they be converted?? I just spent the 1000 in 3 months on the BCP..... 150.00 statement credit...(not been added yet to account yet)

I know these are alot of questions,just want to know where to go with them.......

Re: coming up on 61 days with Amex???

distantarray — Sat, 15 Dec 2012 22:38:04 GMT

@Anonymous wrote:
I need some advice....I have the green ,BCP and Delta Gold.....I have a 5000 CL on Delta and on BCP I have 2000......Should I try for thr CLI on BCP to 6000 or on the Delta for 15000...(3x's CL )???

I have pumped 3000 on both cards the past 2 months....

I will probably be closing the Delta in a year and allocating the balance to BCP if all goes well.....I have no use for the miles...I fly other airlines...

when I do fly...

I have gotten the 3 month bonus on Delta 30000 miles,Can they be converted?? I just spent the 1000 in 3 months on the BCP..... 150.00 statement credit...(not been added yet to account yet)

I know these are alot of questions,just want to know where to go with them.......

personally I like consistancy so I would go for 6k for BCP, it also makes you look less greedy you can always get increases on other things later, but other people would probably convince you to go 15k on your Delta just for credit/debt ratio. I just don't like seeing high limits next to low limits but that's just me as long as you PIF all the time like you should to avoid interest charges that destroys your rewards each month I would go for 5k and 6k not 15 and 2, it should also put you in better territory for cards with Chase since they like to see high limits from other cards. Two cards over 5k should reflect better than low mixed with high jus my opinion =) you'll always get to get 15k later or 18k if you go with bcp twice in a row in 6 months later

Re: coming up on 61 days with Amex???

bichonmom — Sat, 15 Dec 2012 22:54:35 GMT

I tend to agree. I would rather build the CL on the card you get the most use out of. Though I have read here that Amex will reallocate your CL to a diff card, so that's an option, too. Especially if your planning on closing or not using your Delta. Maybe transfer some of the CL to your BCP and then CLI. Not sure if there's a time limit on a CLI after a change like that. Maybe others could chime in if they know.

Or you could CLI your delta and then reallocate part of it to your BCP!

Re: coming up on 61 days with Amex???

Anonymous — Sat, 15 Dec 2012 23:53:42 GMT

thanks for the advice.....I also think that the cli hopefully to 6000 would suffice then I can always reallocate the delta to BCP at the 1 yr mark.....thanks

I have 3 other accounts at the 5000 mark.......I have some BT on them so I am working on getting them paid down...tough with christmas though..

Re: coming up on 61 days with Amex???

Anonymous — Tue, 18 Dec 2012 00:56:11 GMT

So what do you guys think I should do ....CLI on BCP or Delta????

need a vote????

Re: coming up on 61 days with Amex???

Anonymous — Tue, 18 Dec 2012 01:06:28 GMT

BCP

Why did you get the Delta card if you do not fly them, was it to get "in with Amex", if so understood. No your miles can not transfer to another airline. Fly roundtrip on Delta to use your miles though.

Best of luck on your CLI.

Re: coming up on 61 days with Amex???

Anonymous — Tue, 18 Dec 2012 01:08:20 GMT

@Anonymous wrote:
I need some advice....I have the green ,BCP and Delta Gold.....I have a 5000 CL on Delta and on BCP I have 2000......Should I try for thr CLI on BCP to 6000 or on the Delta for 15000...(3x's CL )???

I have pumped 3000 on both cards the past 2 months....

I will probably be closing the Delta in a year and allocating the balance to BCP if all goes well.....I have no use for the miles...I fly other airlines...

when I do fly...

I have gotten the 3 month bonus on Delta 30000 miles,Can they be converted?? I just spent the 1000 in 3 months on the BCP..... 150.00 statement credit...(not been added yet to account yet)

I know these are alot of questions,just want to know where to go with them.......

This may seem immature of me, but you're leaving yourself wide open with that last sentence. You gotta do what's best for you. Sometimes we get ourselves all worked up over credit when tomorrow things can be much different. I was on overload reading that. NO PUN INTENDED!

Re: coming up on 61 days with Amex???

Anonymous — Tue, 18 Dec 2012 01:43:06 GMT

Because I took advice of some on this forum. That it was the easiest revolver to get... When I was approved by for green I have it a shot

Re: coming up on 61 days with Amex???

Anonymous — Tue, 18 Dec 2012 01:47:52 GMT

Don't want to transfer miles.... Just let want to convert to statement credit at the 1yr mark when I try for my c.l transfer

Re: coming up on 61 days with Amex???

Anonymous — Tue, 18 Dec 2012 01:54:03 GMT

If I am understanding this correctly. You want to convert your miles (30k) to statement credit when you transfer the credit line and close the card?

As far I as everything I have on Amex Delta products, this will be an unlikely scenario. The miles are directly credited to your Delta Skymiles account each month and are non convertable to other Amex programs.

Re: coming up on 61 days with Amex???

scenery_guy — Tue, 18 Dec 2012 02:16:19 GMT

Do you know someone who flies Delta? I believe you might be able to transfer them the miles (but not the coveted MQM you earned). You could also purchase a ticket for another party as you can spend miles for ticket cost - then work out a cash pay back or something. The Gold Delta should be a good in with AMEX but if that is your goal just hold fast where you are and USE the card. No need to request something and not get it then be forced to wait another 6 months...

Re: coming up on 61 days with Amex???

Anonymous — Tue, 18 Dec 2012 02:41:59 GMT

Can you transfer a CL from a partner card like Delta Gold to a "regular" AmEx like BCE?