Amex Product Change Rules and Guidelines

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CarefulBuilder14
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Amex Product Change Rules and Guidelines

Postby CarefulBuilder14 » Tue Aug 26, 2014 8:47 pm

I was looking for a thread that would summarize what is easy, what sometimes works, and what is impossible as far as product changes - converting one American Express card into another without opening a new account. The most recent thread I could find was about a year old and I believe some rules have changed, at least around the Delta Gold.

I'm going to give the rules as best as I understand them and hope others can fill in what I miss or correct me as necessary. For the first few people to read this, don't put too much confidence in this until it has been kicked around by some Amex veterans. And Amex veterans, keep in mind some rules may have changed since you had certain cards. The idea is to have a very up-to-date base of information.

1. It is easy to switch from one charge card to another (Green, Gold, Platinum and their variants like PRG. Technically also Centurion if you spend gobs of money and get invited.) If you upgrade, you pay the full annual fee of the higher-tier card but you will get a partial refund of the annual fee on the lower-tier card you're giving up. You don't get a refund if you downgrade.

2. You can absolutely never convert a charge card to a credit card. (Edit: You can make a charge card more credit-like with a credit limit and a pay over time feature, but the card is, at heart, the same.)

3. You can absolutely never convert a MR-based card to a non-MR based card.

4. It is easy to downgrade a BCP into a BCE, an EDP into an ED, or a Blue Sky Preferred into a Blue Sky at any time. To upgrade those cards in the opposite direction, the lower-tier card must be open for at least one year.

5. Likewise, with Hilton and Delta, you can convert downwards at any time, and upwards after one year. I don't know if you can go from a lower annual fee to a higher annual fee in the first year, like from Platinum Delta to Delta Reserve.

6. I've heard SPG is, or at least was, flexible and could become any one of a few different non-MR credit cards. I don't know the details.

7. Delta Gold used to be easily PC'ed into a BCE or BCP but that option was abused and is now either totally closed or only possible after the first year of Delta Gold. Amex is not willing to do this for all customers, so it is not an 'official' possibility but still sometimes happens.

8. Costco TrueEarnings can never be PC'ed into anything else.

9. Blue, Blue Sky, and Blue Sky Preferred can be converted into BCE or BCP. I have no idea if you can go in the opposite direction.

10. Business cards can never be PC'ed into personal cards, and vice versa.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when


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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Aug 27, 2014 12:00 am

#3 I just learned is incorrect - Blue has MR points and can, or at least once could, convert to one of a number of non-MR cards.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

CC Deville
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Postby CC Deville » Fri Aug 29, 2014 6:04 pm

I did an online chat a few days ago to see if my worthless Blue could be PCed to the Everyday card. I was told no and that I could apply for an ED card. No thank you.

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Postby CarefulBuilder14 » Fri Aug 29, 2014 6:42 pm

CC Deville wrote:I did an online chat a few days ago to see if my worthless Blue could be PCed to the Everyday card. I was told no and that I could apply for an ED card. No thank you.


You might be able to convert Blue into a BCE or BCP. Maybe a Blue Sky or BSP (if you see value in those). I think Blue could once become Clear, but I think Clear has now been discontinued due to low popularity. Definitely not something I'm certain about.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

CC Deville
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Postby CC Deville » Fri Aug 29, 2014 7:55 pm

CarefulBuilder14 wrote:You might be able to convert Blue into a BCE or BCP. Maybe a Blue Sky or BSP (if you see value in those). I think Blue could once become Clear, but I think Clear has now been discontinued due to low popularity. Definitely not something I'm certain about.


Thank you. Yes, I believe I can change to BCE, BCP, BS, BSP. Actually I know I can because whenever I go to Americanexpress.com they have "Upgrade" next to BCP and BSP. I just wonder why they won't allow ED; it is insane!

I believe you are correct; the Clear is gone and I do not believe people can PC to it.

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Postby CarefulBuilder14 » Fri Aug 29, 2014 9:08 pm

CC Deville wrote:Thank you. Yes, I believe I can change to BCE, BCP, BS, BSP. Actually I know I can because whenever I go to Americanexpress.com they have "Upgrade" next to BCP and BSP. I just wonder why they won't allow ED; it is insane!

I believe you are correct; the Clear is gone and I do not believe people can PC to it.


So why do you like Blue more than BCE? Do you just prefer the MR system to cash?

:money: I know what I prefer! :money:
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

rockyrock
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Postby rockyrock » Sat Aug 30, 2014 12:14 am

#6 is not accurate; I just closed my SPG because they only offered to let me PC it to a Delta branded card. I spoke to three different CSRs and each told me the same.

#1: I've read on here and at the Amex forum that folks have had a hard time PC'ing from Platinum to PRG or Green. I'm about to test this one out as my AF is due next month and don't plan to renew it.
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Postby CarefulBuilder14 » Sat Aug 30, 2014 12:35 am

rockyrock wrote:#6 is not accurate; I just closed my SPG because they only offered to let me PC it to a Delta branded card. I spoke to three different CSRs and each told me the same.

#1: I've read on here and at the Amex forum that folks have had a hard time PC'ing from Platinum to PRG or Green. I'm about to test this one out as my AF is due next month and don't plan to renew it.


Yeah, I'm not surprised about #6...a few more PC options were available for SPG about 18 months ago.

I am surprised that it's hard to downgrade a Platinum to a lower charge card. I thought that so long as they had that year's $450 they would be happy.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

rockyrock
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Postby rockyrock » Sat Aug 30, 2014 10:24 am

CarefulBuilder14 wrote:I am surprised that it's hard to downgrade a Platinum to a lower charge card. I thought that so long as they had that year's $450 they would be happy.


They like you apply for new cards and not PC...
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Aug 30, 2014 11:14 am

rockyrock wrote:They like you apply for new cards and not PC...


Maybe they want to prevent people from getting the Platinum in a high-travel year and then downgrading it to a Green in advance of a low-travel year.

I wonder if they would decline someone for a Platinum on the grounds that he or she had previously opened and closed a Platinum multiple times. They definitely want people to keep the Platinum open a long time - even when their travel decreases a bit. Amex can't make money off a card program where everyone is making great use of the benefits!
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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