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Amex Delta Reserve "Request Upgrade" disappears after logging in

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Anonymous
Not applicable

Re: Amex Delta Reserve "Request Upgrade" disappears after logging in

Interesting.  According to some folks on here and the CARD act, they can't raise AF on you for the same account inside the year. Maybe they figured out a way around that. 

 

Any way, if you end up upgrading, I'd be curious to know what happen.  Feel free to share Smiley Happy

Message 21 of 24
seattletravels
Valued Contributor

Re: Amex Delta Reserve "Request Upgrade" disappears after logging in

Maybe a business card vs personal card situation?

 


@Anonymous wrote:

Interesting.  According to some folks on here and the CARD act, they can't raise AF on you for the same account inside the year. Maybe they figured out a way around that. 

 

Any way, if you end up upgrading, I'd be curious to know what happen.  Feel free to share Smiley Happy


 



Last App: BECU 02-26-2020
Pronouns: He/Him/His
Message 22 of 24
imaximous
Valued Contributor

Re: Amex Delta Reserve "Request Upgrade" disappears after logging in


@seattletravels wrote:

Maybe a business card vs personal card situation?

 


@Anonymous wrote:

Interesting.  According to some folks on here and the CARD act, they can't raise AF on you for the same account inside the year. Maybe they figured out a way around that. 

 

Any way, if you end up upgrading, I'd be curious to know what happen.  Feel free to share Smiley Happy


 


Yes. My understanding is the CARD Act's protections do not apply to business credit cards.

Message 23 of 24
coldfusion
Credit Mentor

Re: Amex Delta Reserve "Request Upgrade" disappears after logging in


@imaximous wrote:

@seattletravels wrote:

Maybe a business card vs personal card situation?

 


@Anonymous wrote:

Interesting.  According to some folks on here and the CARD act, they can't raise AF on you for the same account inside the year. Maybe they figured out a way around that. 

 

Any way, if you end up upgrading, I'd be curious to know what happen.  Feel free to share Smiley Happy


 


Yes. My understanding is the CARD Act's protections do not apply to business credit cards.


You understand correctly.

 

This is one of the risks associated with using business cards that are backed by the individual instead of the business entity; many of the laws and regulations put in place to protect consumers are specific to personal credit cards and don't apply to business cards. 

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 24 of 24
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