What do I do with AMEX BCP?

[dogmeat]

Also while Amex cards can generally only be up/downgraded within their product family, their revolver CLs can be transferred across product lines.  Re-allocating can be done online and is a SP.  Therefore, I'd downgrade to BCE, and hang on to it; you never know, some day you may want a different card from Amex that that you'll actually use, and you can transfer over much of the CL from your BCE to the new card, if you want. 

[coldfusion]

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@dogmeat wrote:

Also while Amex cards can generally only be up/downgraded within their product family, their revolver CLs can be transferred across product lines.  Re-allocating can be done online and is a SP.  Therefore, I'd downgrade to BCE, and hang on to it; you never know, some day you may want a different card from Amex that that you'll actually use, and you can transfer over much of the CL from your BCE to the new card, if you want. 

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There is a qualifier:  the donor card must have been held for at least 13 months to be eligible for allowing an outgoing CL transfer.

[NRB525]

Regarding downgrading to BCE, with a $30k limit, and then not using?

Wasn’t there a period of time earlier this year where lightly used BCE were getting limits of ( commonly ) $30k slashed exactly in half? The BCP seemed not to be affected, likely because of the AF. Others with other AMEX action may not have been affected.

I would also downgrade it, but not be surprised if that limit were reduced.

[simplynoir]

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@coldfusion wrote:

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@dogmeat wrote:

Also while Amex cards can generally only be up/downgraded within their product family, their revolver CLs can be transferred across product lines.  Re-allocating can be done online and is a SP.  Therefore, I'd downgrade to BCE, and hang on to it; you never know, some day you may want a different card from Amex that that you'll actually use, and you can transfer over much of the CL from your BCE to the new card, if you want. 

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There is a qualifier:  the donor card must have been held for at least 13 months to be eligible for allowing an outgoing CL transfer.

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That's more a YMMV than a hard rule. No ryhme or reason why one person can move limits around no matter how young the cards are and other timess people are denied

[Anonymous]

Well, thanks for all your answers.

I guess there is no reason, once downgraded, to carry AMEX BCP in my wallet.

I have Citi DC for 2% on everything and Target Redcard Mastercard for 5% on groceries.

Other than the occasional AMEX offer, can anyone think of why I would need to carry AMEX BCE in my wallet? I can always take the card when there is a special offer. 

Johnny 50

[kdm31091]

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@Anonymous wrote:

Well, thanks for all your answers.

I guess there is no reason, once downgraded, to carry AMEX BCP in my wallet.

I have Citi DC for 2% on everything and Target Redcard Mastercard for 5% on groceries.

Other than the occasional AMEX offer, can anyone think of why I would need to carry AMEX BCE in my wallet? I can always take the card when there is a special offer. 

Johnny 50

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No. You'll know in advance if/when you would need to use it, so no point in carrying it really.