topic Re: A PC Amex Delta to BCE question in Credit Cards

A PC Amex Delta to BCE question

kroberts67 — Wed, 05 Mar 2014 04:46:49 GMT

I can only find older threads and none answer my question so I apologize if redundant...

My 61x falls on March 13, and I've received my bonus miles etc so now I want to PC to BCE. If I request the PC now and get it, will it affect my 61x, or should I wait until my CL request, or does that matter? Can I PC now and keep my original 61x?

Thanks

Re: A PC Amex Delta to BCE question

09Lexie — Wed, 05 Mar 2014 05:01:14 GMT

It doesn't matter but you can only PC AF to AF or no AF to no AF within the first 13 months.

At least thats how I remember Amex PC policy.

Re: A PC Amex Delta to BCE question UPDATE - SUCCESS!

kroberts67 — Wed, 05 Mar 2014 05:50:41 GMT

Thanbks Lexie.

And good grief Charlie Brown, I tried with 2 different chat reps and then called cust service and they all have said something along the lines of "since they (delta vs bce) are two different rewards programs that I would need to apply". The phone rep was insistent but I was also insistent that this is possible as long as I am eligible and placed me on hold to check further, then transferred me to another dept (she stayed on the call in case I needed to "apply" lol), who checked on my eligibility and BOOM! I now have a BCE! Yippee!

Them phone reps learn something new everyday.

Re: A PC Amex Delta to BCE question UPDATE - SUCCESS!

09Lexie — Wed, 05 Mar 2014 05:55:56 GMT

@kroberts67 wrote:
Thanbks Lexie.

And good grief Charlie Brown, I tried with 2 different chat reps and then called cust service and they all have said something along the lines of "since they (delta vs bce) are two different rewards programs that I would need to apply". The phone rep was insistent but I was also insistent that this is possible as long as I am eligible and placed me on hold to check further, then transferred me to another dept (she stayed on the call in case I needed to "apply" lol), who checked on my eligibility and BOOM! I now have a BCE! Yippee!

Them phone reps learn something new everyday.

Good for you! Glad it worked out.

Re: A PC Amex Delta to BCE question

Leadberry — Wed, 05 Mar 2014 13:07:46 GMT

@09Lexie wrote:
It doesn't matter but you can only PC AF to AF or no AF to no AF within the first 13 months.

At least thats how I remember Amex PC policy.

It's AF to no-AF or no-AF to no-AF.

Re: A PC Amex Delta to BCE question

Anonymous — Wed, 05 Mar 2014 13:52:33 GMT

Just did a PC from Delta Amex to BCE

Re: A PC Amex Delta to BCE question

TiggerDat — Wed, 05 Mar 2014 14:04:05 GMT

AF or not it shouldn't matter. I actually chuckled when I read this thread. Last night I called to get my Delta switched to a BCE, but it didn't work out that way. I first asked them for a lower interest rate, which I got. Since I had done that I couldn't switch to the BCE until the system updated. I actually am now reconsidering it, since it might be better to switch to the BCP! Even with the $75 AF it might be better to get the 6% on groceries and 3% on gas. Something for me to think about over the next few days!

Re: A PC Amex Delta to BCE question

kroberts67 — Wed, 05 Mar 2014 15:43:14 GMT

@Anonymous wrote:
Just did a PC from Delta Amex to BCE

Congrats! Out of curiousity, how did you contact them and did you have the trouble I did getting through to a person who could handle it for you?

Re: A PC Amex Delta to BCE question

kroberts67 — Wed, 05 Mar 2014 15:50:43 GMT

@bernhardtra wrote:
AF or not it shouldn't matter. I actually chuckled when I read this thread. Last night I called to get my Delta switched to a BCE, but it didn't work out that way. I first asked them for a lower interest rate, which I got. Since I had done that I couldn't switch to the BCE until the system updated. I actually am now reconsidering it, since it might be better to switch to the BCP! Even with the $75 AF it might be better to get the 6% on groceries and 3% on gas. Something for me to think about over the next few days!

AF does matter due to the credit card act (if I have named that correctly?). I don't have all the fact but from what I've read this act It controls how much AF we can be charged per year, which is why the 13 months. You can go from AF to non-AF, or non-AF to AF.

Good luck with your BCP switch!

Re: A PC Amex Delta to BCE question

Anonymous — Wed, 05 Mar 2014 16:56:23 GMT

@kroberts67 wrote:
@Anonymous wrote:
Just did a PC from Delta Amex to BCE
Congrats! Out of curiousity, how did you contact them and did you have the trouble I did getting through to a person who could handle it for you?

I contacted them through online chat. I first asked if I can product change to another Amex card and he went through the list of all the cards I can change to. Then I chose the BCE. It was no hassle and I will get my card in 7-10 days. The change is instant and he said I will receive the benefits as of today. It was really easy

Re: A PC Amex Delta to BCE question

09Lexie — Wed, 05 Mar 2014 17:09:25 GMT

@Leadberry wrote:
@09Lexie wrote:
It doesn't matter but you can only PC AF to AF or no AF to no AF within the first 13 months.

At least thats how I remember Amex PC policy.
It's AF to no-AF or no-AF to no-AF.

Yep! You are correct.

Re: A PC Amex Delta to BCE question

TiggerDat — Thu, 06 Mar 2014 14:05:18 GMT

I did some reading and apparently the 13 month rule no longer is enforced at Amex. I certainly haven't had my card for 13 months and they seemed more than happy to change the card to something that I would rather have. I think they are just becoming more customer responsive. I do admit they did try and point out some other cards with fees that might benefit me.

Re: A PC Amex Delta to BCE question

Leadberry — Thu, 06 Mar 2014 14:19:04 GMT

@bernhardtra wrote:
I did some reading and apparently the 13 month rule no longer is enforced at Amex. I certainly haven't had my card for 13 months and they seemed more than happy to change the card to something that I would rather have. I think they are just becoming more customer responsive. I do admit they did try and point out some other cards with fees that might benefit me.

I find this hard to believe as the 13-month rule is a consequence of federal law.

Re: A PC Amex Delta to BCE question

kroberts67 — Thu, 06 Mar 2014 20:50:31 GMT

@Leadberry wrote:
@bernhardtra wrote:
I did some reading and apparently the 13 month rule no longer is enforced at Amex. I certainly haven't had my card for 13 months and they seemed more than happy to change the card to something that I would rather have. I think they are just becoming more customer responsive. I do admit they did try and point out some other cards with fees that might benefit me.
I find this hard to believe as the 13-month rule is a consequence of federal law.

Same here. Did they change you from a your Delta to another fee card?

Re: A PC Amex Delta to BCE question

TiggerDat — Thu, 06 Mar 2014 22:30:09 GMT

I read the whole card act last night and truthfully find nothing pertaining to AFs. Well when I say read I read parts of it, skimmed other parts, and used search to find AF in the document. Now remember, the card is intended to protect consumers from banks changing things, not really intended to stop consumers from changing things.

Re: A PC Amex Delta to BCE question

TiggerDat — Sun, 09 Mar 2014 00:06:43 GMT

@kroberts67 wrote:
@Leadberry wrote:
@bernhardtra wrote:
I did some reading and apparently the 13 month rule no longer is enforced at Amex. I certainly haven't had my card for 13 months and they seemed more than happy to change the card to something that I would rather have. I think they are just becoming more customer responsive. I do admit they did try and point out some other cards with fees that might benefit me.
I find this hard to believe as the 13-month rule is a consequence of federal law.
Same here. Did they change you from a your Delta to another fee card?

I didn't actually get it changed as of yet. I would have at the time, but because I also got a lower APR it would not allow other changes until the update. Now I am waiting for my AU to decide between the BCE and the BCP. I am actually building all my credit for a future date. I don't need and can't use all the cards I currently have so I let my sister use them while she builds up from her bankruptcy. I can't use them since I currently work overseas, I want them for when I return. I also want them to have good limits and have good cards. In this way I choose the best ones and SD the others.

They did however tell me I could PC to whatever I wanted, they didn't seem to have an issue with any product, however there might be some that they might later tell me I couldn't have. I would imagine something like the Palladium might be an issue. However, I have no desire for a hefty fee card, the BCP would do fine for me as I think it is the best card for the cost. I might even actually get two and break down and apply for the second one later, either in June or next year when I return.